When you’re involved in API design, much of the hard work you’ve done to bring the API to life is invisible to the end user. Many of the APIs that ordinary consumers are happy with take mere seconds to fulfill their requests. However, getting to that point is neither as easy nor as quick for developers. There’s a lot of coding, mocking, maintenance work, and documentation to be done before the API is anywhere close to hitting the market. But one thing makes all the difference in helping developers clear all these steps in a timely and efficient manner: great API design.   

As with many other software and hardware products, thoughtful design matters when it comes to APIs. It ensures smooth implementation and usage experiences, and it also sets a precedent for better work in the future. In contrast, flawed design can obstruct developers’ initial workflow, cause expensive delays, and leave something to be desired in terms of end user satisfaction. Sadly, many API developers commit the same design mistakes over and over again before they find out what they can do better. By then, they’ll have wasted time, resources, and momentum that’s hard for them to get back.  

If you want to get the process right as soon as possible, avoid these six common design flaws. By doing so, you’ll make the most out of the development cycle and realize the full potential of your API.   

Being Inconsistent About Design Tools and Design Environments 

Consistency is one of the most important values in the API design process. But oftentimes, coding work can become very inconsistent because it isn’t executed according to a set standard. One of the best things you can do to avoid sloppy and inconsistent design work is to standardize your tools, environment, and workflow. Doing this will make it easier for you to replicate the same quality of work across different tasks.  

It’s never too late to standardize your toolset and environment for the better. Try the Stoplight API design tools on Stoplight’s visual editor to achieve better consistency, as well as momentum, on your API design.  

Not Following Common API Naming Conventions 

You have a lot of freedom in terms of how you design your API. But in terms of approaches to take, especially for REST APIs, it’s good to stick to industry practices that are widely accepted. It ensures that you and your fellow API designers are speaking the same language when you’re deciding how to build the API. One example is the naming conventions for REST API URLs. The norm is to use plural concrete nouns, not abstract nouns or verbs. After all, URLs are supposed to direct to resources that are objects, not actions.  

In short, avoid the design flaw of going against commonly accepted notions for API design. If you stick to the formula, coding work will be much less confusing on your part as well as those of fellow developers.  

Being Redundant and Not Following Standard Practices When Designing Parameters 

Another area of API design that sees quite a number of mistakes is the formatting of parameters. Too often, developers write code in a format that doesn’t serve a clear purpose. Other times, they may write parameters in one way for one line and then type it a completely different way in the next.  

As a developer, you can avoid mistakes like these by being more careful about every line of code. The format you use should make sense, be consistent across fields, and not be a pain for your fellow developers to crack. If you trim unnecessary or redundant parameters in the body portion of each response and request, then your API design will read much more smoothly for it.  

Mixing Up HTTP Methods 

REST API design in particular anchors itself on the proper usage of HTTP request methods. The most well-known of these are GET, PUT, POST, PATCH, and DELETE. Whenever any of these methods are involved, they have to facilitate the kind of action that they’re commonly expected to.  

To illustrate simply, GET should only be used for requests for retrieving data, while DELETE should only be used for removing the resource. HTTP request methods should never be mixed up, and should always be consistent in their usage throughout the API code. Rookie developers benefit best from reviewing the purpose of each HTTP request method. But even advanced-level developers should spend a little extra time making sure that each usage of request method aligns with its rightful purpose.   

Mishandling of API Errors 

No API is free from experiencing errors. In fact, the more complex the API product is, the more capable you have to be at handling errors. Thus, error messages are an important part of the API design process. Unfortunately, it’s rather common for developers to obfuscate the true nature of the error in their messages. When that happens, users are left in the dark about what went wrong in their request and why.  

When writing your own error messages, it would help to detail what type of error occurred and what the user can do to fix it. To be safe, defer to HTTP protocols for different types of errors instead of going by an arbitrary error classification and error message system.   

Not Keeping Track of Versions 

The last on this list pertains to API versions. Though the API may have undergone a facelift at one point or another, some developers neglect to include this in their design. As a consequence, users may struggle to know which version of the API they’re using and which features are either compatible or no longer compatible.  

The solution to this flaw is simple: always implement versioning on your APIs. Include version numbers on your URLs or use custom headers for each version as needed. Properly versioning your API’s resources will give your users clarity on how advanced or upgraded its features are. It will also save you and your fellow developers a lot of grief about segregating past resources and present ones.  

Conclusion 

In practice, an API with these design flaws may still actually work. But how well do you think it will work? How easy will it be to troubleshoot or to fix? How prepared will you and your team be to scale up the API when the time comes?  

Practical, thoughtful, and consistent design will sustain an API long after its creation. Aim not only to complete the API, but to launch a product that’s representative of the best design work you can offer to your users. 

Many of the world’s most important industries have made the shift toward digitization, and the modern insurance industry is no exception. The most promising insurance companies know that bolstering their current tech stack is the key not only to survival but also growth. But simply acquiring a new type of technology, such as a cloud-based insurance management system, doesn’t guarantee immediate success. Those who work in the insurance sector must also be aware of how that technology’s being used—and how to leverage it to stay competitive.  

What are the most important trends to watch out for now that the insurance industry is quickly going digital? Here are five considerations that you should make, as well as a treatise on how these could affect your insurance company: 

Heightened Popularity of Digitization for Insurance Businesses 

The first trend to be aware of is that digitization is fast becoming the norm in the industry. In general, more insurance businesses than ever before have made the move to digitize their operations. They have good reasons for upgrading to digital insurance platforms, namely the following: 

• Cloud-based platforms can fulfill essential tasks like pricing, risk assessment, and analytics with twice the efficiency of a legacy system that’s reliant on manual processes.  
   
• It’s also possible to use these platforms for complex and time-consuming steps in the insurance processes, such as triaging claims according to urgency.  

• Upgrading to better insurance technology can also enhance an insurance business’s customer relationship management (CRM) capabilities. 

Many of your peers in the industry are thinking about pooling more of their efforts and their resources into a digital transformation. It’s either that, or they have already done so. That means that the onus is on your company to adapt and become even more responsive to the clients enrolled in your insurance programs. 

Expansion of Insurance Programs to New Geographical Territories 

Aggressive international expansion is another trend you should watch out for. The most competitive global insurance companies have started branching out across borders and tapping new markets away from their home regions. Since their home markets may be flat, these companies have made use of digital technology to start expanding and building international awareness of their brands.  

For sure, insurance companies that are willing to expand have many challenges ahead of them. They will need to put in the time to study their new markets, as well as the regulations that govern the industry there. But the payoff is significant: in the long run, they’ll earn the lucrative opportunity to sell their insurance products to a fresh customer base. Who’s to say that you won’t be in that position someday? Perhaps you can consider international expansion a future goal for your own company.  

Even Simpler and Faster Insurance Processes 

The speed and efficiency of the digital era have made one thing more apparent—that customers prefer things to be simple and straightforward. The same applies to enrolling in insurance programs and going through the motions of their insurance processes. Long, complicated, and difficult processes cause customer fatigue and decrease their overall satisfaction with their carrier. In contrast, streamlined knowledge and service delivery improve customer satisfaction and drive higher customer retention rates.  

This means that overly complex “catch-all” insurance programs—once the cornerstone of legacy insurance systems—are on their way out. Simplified products and processes are in, and they will likely be for a long time. That’s why insurance businesses who have gone the digital route should use the upgrade in their tech stack to streamline their existing programs. Keep this in mind when you’ve deployed a new digital insurance platform of your own.  

Unbundled Insurance Programs 

Speaking of catch-all insurance programs, a greater number of insurance companies have stopped relying on them. Your peers may now be offering risk-based products that are smaller and more manageable for their customers’ life stages. These unbundled policies prove appealing to the emerging millennial market, many of whom are getting insurance for the first time. The “unbundled” approach allows them to slowly but surely get used to the processes and services of their carriers.  

Unbundled products are also easy to implement and monitor for compliance using a digitized system. So if you’re wondering what new approaches to take using your new digital insurance technology, decoupling your policies is one of them.  

Wider Availability of Personalized Insurance Products 

The last trend that you should be aware of pertains to the delivery of personalized insurance products. Nowadays, the spotlight is on individual customers, and the custom factor has become a key business strategy in digital insurance.   

There’s now a greater variety of personalized offerings in insurance carriers’ catalogs. Moreover, products are priced at ideal ranges for different customer life stages, and would-be customers receive targeted messaging through channels like email marketing.  

Today’s digital insurance technology has helped realize a higher level of personalization, which companies should use to their advantage. You can use your platform to cater to the profiles of your individual clients, especially younger workforce constituents who are savvy with technology. By adding more personal touches to your current lineup of insurance products, you can make your company stand out and stay relevant in the industry.  

Final Words: Your Place in the Future of the Insurance Industry 

By now, it may be clear that an insurance digital transformation is underway for many. That kind of change may be good for your own core insurance system as well. Investing in a digital insurance platform may help you respond to your clients’ needs much better than before. That is what will cement your place as the insurance provider of choice amidst steep competition from your peers.   

For both trends and long-lasting indicators of success in the insurance industry, the goal is to stay at least one step ahead. Here’s to staying on top of your new technology and making an impact in digital insurance!