On-demand accounting software that is accessible without an in-house server may still be relatively young and growing, but as far as it being the wave of the future, don't get out your surfboards just yet, say users and consultants.Many small and midsized businesses are still attached to their multi-dimensional, server-based software and are not yet ready to make the jump into the Web. But not all the hold-up is the fault of the users - the software producers admit that their products are good, but in some cases could be improved. Missing integration to add-ons and a lack of features within the on-demand systems leave some work to be done.

The wave of the future may not have hit, but it is building up strength and support.

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