BlackboardsThis Week in Engagement Banking, American Banker details the experience of an banking executive who takes a turn into the software industry and learns some important lessons to bring back to banking. We also see how Standard Charter is marketing its mobile apps and, finally, there’s an important article about the conundrum of mobile security versus customer convenience.

American Banker
Stint at Tech Firm Opens Community Banker’s Eyes
Robin Robeson found at least two big benefits to taking a detour in her banking career a few years ago for a management role with a software company. Working in an unregulated industry for a change was fun, and she developed an appreciation for all that software she took for granted as an banking executive. “I was a user of it, but I was never really much involved in the strategy, and I can’t say that I understood all the technology behind what we were using. And now I do. I look at things with a different set of eyes.” Those eyes will now be on the day-to-day operations of Guaranty Federal Bancshares (GFED) in Springfield, Mo., where she started as chief operating officer on July 30. Robeson previously spent 10 years with The Commerce Trust Co., also in Springfield, before temporarily leaving the industry for a COO-type role with Duck Creek Technologies, which was sold to Accenture in2011. More. . .

Visible Banking
Standard Chartered Turns Mobile Banking Teams into Comic Book’s Superheroes
The Standard Chartered Global Remote Banking Team (online and mobile banking) innovates again, this time to connect with the bank’s front line staff.  They turned some of their super staff members into comic book’s superheroes, literally. A couple of hours ago, I received an email from one of my digital banking innovator friends from Singapore, Asif, who informed me of the latest innovation from Standard Chartered’s Group Remote Banking Team. This time around, the Team is tapping the now incredibly high popularity of comic books and superheroes movies to communicate internally, with their front line staff, about their achievements and the value of remote banking. More. . .

American Banker
Is This the Future of Banking?
SWIFT proposes that banks reinvent themselves as “digital asset” guardians, protecting customers’ personal data and acting as their trusted agent in dealings with merchants. Will the idea fly?

Bank Systems and Technology
Security Vs. Convenience: The Eternal Struggle in Mobile
As mobile banking adoption accelerates, will convenience be compromised to help fight fraud? The explosion of smartphones and tablets has given consumers convenience like never before, and also opened up a whole new channel for fraudsters to target. In many ways, the ease-of-use of mobile makes it a ripe target for cyber-criminals; any attempt to put more security layers in a mobile device could make it less appealing to consumers who want to simply click on an app and go where they’re going. Financial institutions are, of course, very experienced on this topic, and have been working on striking the perfect convenience-security balance when it comes to mobile banking. As Bank Systems & Technology reported in our September digital issue, banks have to consider how many layers of security customers will be willing to navigate in the name of security. More. . .

New York Times Bucks Blog
Weighing Prepaid Cards vs. Checking Accounts
Prepaid cards can be a better deal than checking accounts for some people, but the cards need more consumer safeguards, a new report from the Pew Charitable Trusts finds. Along with the report, “Loaded with Uncertainty,” Pew introduced an online tool to help consumers determine which option is best for them. The report divides consumers into three types in terms of their banking expertise: “savvy,” who use direct deposit and avoid fees whenever possible; “basic,” who aren’t as proficient at avoiding fees and have at least one overdraft fee a month; and “inexperienced,” who make heavy use of services but typically pay two overdraft fees a month. More. . .