At the beginning of the year, the major business and technology trends were analytics, consumer centrism, continued modernization and regulation. While these produce challenges, many insurers jumped right in, navigated the trends of the year and, as a result, improved business. Regulation, however, produced even more complexity, as insurers try to hone in on the effects and action items related to systemic risk, Solvency II and the Patient Protection and Affordable Care Act.

Insurance technology professionals face numerous challenges every day. The following four were critical for them to overcome-or develop an action plan to overcome-in 2012 to set the right course for 2013.

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