Technology has a way of evolving and forcing change, even without user, consumer or even developer consent. Nowhere is this more evident than in mobile applications. According to the Pew Research Center, smartphone penetration has not only surpassed half of all mobile subscribers, but has gone well beyond 50 percent of all adult Americans.

The continuous stream of hardware and software features enabled on these devices continually pressures IT professionals to identify innovative mobile-use cases and deliver enhanced customer experiences. For insurers already viewed as late to the technology game, many challenges stand in the way of delivering a fully functional mobile product, and a few even demand new ways of thinking about how we develop software.

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