1. The document discusses the need for US healthcare payers to develop innovative consumer applications while continuing core business operations. This requires a bimodal IT architecture with an adaptive service layer between consumer and core systems.
2. The adaptive service layer must provide reliable, scalable, and reusable services to support consumer applications while protecting core business systems and data. Organizations need insights into service usage to improve applications.
3. The layer can consist of an API platform, backend as a service, and enterprise service bus. Patterns like read, publish, subscribe, and pass-through enable a range of reusable services. An enterprise repository facilitates service reuse across applications.