Property/casualty insurers need to utilize mobile technology, but doing so will not be as easy as adapting current web applications to handheld devices. A richer, more integrated level of service will be expected, especially among young people who have grown up in a digital world.

That was the message today from several expert speakers at the AAIS Main Event, an executive conference held by the American Association of Insurance Services (AAIS), a national advisory organization that develops standardized policy forms and rating information used by more than 700 property/casualty companies throughout the U.S.

Jamie Bisker, IBM's global non-life segment manager, opened the conference with a presentation saying that commerce today is divided between "digital natives" and "digital immigrants."  The former are those who have grown up surrounded by web-based connectivity; the latter have had to learn how to use consumer technology and apply it to business purposes.

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