It seems like every time I set out to discuss a new technology, an even newer one has popped up. It has been an epic year for news and new gadgets for all of us. This coupled with my discussions with insurers in recent weeks on the subject of BYOD and the increasing number of mobile platforms has provided a different perspective on this growing complexity.

2012 has seen the rise of the smartphone, which has become more popular than simple mobile in many countries. There are arguments and articles arguing about who has greatest market share in different territories, but for 2012, Apple and Samsung are the clear winners here. I love that Samsung’s Note has re-introduced the stylus i was using back in the '90s with my first smartphone.

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