Risk managers are facing two related, yet still divergent, movements in the world of computing, according to David Allred, head of technology for Zurich North America Commercial.

The first issue is the incredible growth of smartphones and the wireless computing being done over those devices. The second is the emergence of cloud computing.

"In some ways they are related because they are similar types of operations," says Allred. "You are relying on someone else to manage, carry and secure information."

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