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Two years ago Robert Capps, a senior editor at Wired magazine, published a seminal article, "The Good Enough Revolution: When Cheap and Simple Is Just Fine."

Mobile access will dominate the Web, and it will do so soon. In a late 2009 report, Morgan Stanley predicted that over the next five years, people will access the Web via mobile more than twice as much as they do via desktop devices.

Just 20 years ago, the answer was simple. Need an insurance agent? Pick up a phone book.

Identity management in an IT world that mixes the cloud, legacy mainframes, and everything in between has become very challenging.

Novarica, a research and advisory firm focused on operations and technology strategy for insurers and financial institutions, launched the inaugural edition of its Novarica Cool Capabilities report series.