It's interesting that there is no mention of the so called "citizen developer". According to some Gartner reports very soon a fairly large amount (approx. 25%) of all business applications will be "written" by so called "citizen developers". These are mostly business people with minimal or no programming knowledge but are able to use software tools to create other "software tools". A good, VERY BASIC example is building an Excel "app" with some VB scripts...