Gary Schwartz, the CIO of USAA, a company that offers financial products and services to the military and their families, said its approach on devices stems from customer services.

The company has developed applications for various devices, such as the , "so if our employees are developing these applications, we have to enable our employees as well to use all these devices," Schwartz said.

Wander sees mobile and ubiquitous computing, particularly in the next wave of devices. It will mean that everything will be delivered as a service, and employees will work where they want, especially younger workers. The (those born between 1980-2000) "don't want to work in [corporate] buildings," he said.

Patrick Thibodeau covers SaaS and enterprise applications, outsourcing, government IT policies, data centers and IT workforce issues for Computerworld. Follow Patrick on Twitter at or subscribe to . His e-mail address is .

in Computerworld's IT Leadership Topic Center.