Interesting article but how about the companies that are using an external factor, like smartcard or usb token for example, to authenticate strongly people on their PC ? (I know a lot of companies using this still and if I'm right, you also have some in Google). On these external tokens, no need to change the passcode every 90 days for example but the user experience also brings some questions. On pc, we lock the device once the smartcard is removed for example but on smartphones / tablets we can't do so. If we need to keep this external factor for mobile devices as they have now more and more sensitive data on them, it means that the OS will also need to bring new features to manage them.
Finding how to strongly authenticate the user BUT keeping a good UX is in my top 3 topics to manage this year.