Education through employment of gaming

• US 9,272,204 B2
• Filed: 05/07/2013
• Issued: 03/01/2016
• Est. Priority Date: 05/07/2012
• Status: Active Grant

• Current Assignee: Bankerslab Incorporated
• Original Assignee: Bankerslab Incorporated
• Inventors: Gingher, Kurt, Seitz, Neil, Jahner, Roderic R., Katics, Michelle Marie
• Primary Examiner(s): Lewis, David L
• Assistant Examiner(s): Hall, Shauna-Kay
• Application Number:
  US13/888,586
• Publication Number:
  US 20130310121A1
• Time in Patent Office: 1,029 Days
• Field of Search: 463/1, 705/39
• US Class Current: 1/1
• CPC Class Codes: A63F 13/00 Video games, i.e. games using an electronically generated display having two or more dimensions gaming systems which provide a financial reward G07F17/32
• CPC Class Codes: A63F 13/57 Simulating properties, behaviour or motion of objects in the game world, e.g. computing tyre load in a car race game A63F13/56 takes precedence
• CPC Class Codes: G06Q 50/2053 Education institution selection, admissions, or financial aid
• CPC Class Codes: G09B 19/18 Book-keeping or economics
• CPC Class Codes: G09B 19/22 Games, e.g. card games

Abstract

A calculation engine of an apparatus in an example is employable for interactive simulation gaming to create an active learning environment on credit risk management for a learner. The calculation engine simulates one or more retail lending portfolios in a retail bank over a selectable period of time in the active learning environment for the learner. The calculation engine allows and/or requests the learner to decide, select, and/or choose one or more parameters for a strategy for credit policy and/or loan approval. The calculation engine employs the one or more parameters from the learner to calculate a financial outcome of the one or more retail lending portfolios in the retail bank over the selectable period of time that reflects the strategy for credit policy and/or loan approval by the learner in a corresponding run of the active learning environment on credit risk management for the learner.

Claims

1. An apparatus configured to facilitate interactive simulation gaming for creation of an active learning environment on credit risk management for a player, the apparatus comprising:

a processor;

a memory that comprises user interface logic; and

a user interface system configured to receive input from the player and present information to the player on training-stylized non-live data decomposed into a plurality of training courses;

wherein the processor employs computer instructions in the memory to cause the processor to perform operations of a what-if training tool that communicates with the player through employment of the user interface logic and the user interface system and ensures achievement for the player of a plurality of individual learning goals on customer behavior in retail lending, that comprises a first learning goal on customer behavior in retail lending and a second learning goal on customer behavior in retail lending, through if-then interactive testing of the player through employment of the user interface logic and the user interface system, on the training-stylized non-live data decomposed into the plurality of training courses that comprises a first training course and a second training course, that teaches the player by communication with the player through employment of the user interface logic and the user interface system the first learning goal on customer behavior in retail lending through completion of the first training course at a first time interval in the what-if training tool and teaches the player by communication with the player through employment of the user interface logic and the user interface system the second learning goal on customer behavior in retail lending through completion of the second training course at a second time interval in the what-if training tool.

2. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a total marketing budget to be allocated across a plurality of training-stylized retail lending portfolios in a training-stylized retail bank;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, a portion of the marketing budget allocated to a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is chosen relatively larger by the player by employment of the user interface logic and the user interface system, then;

the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending, simulates more customers apply for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank and an increased size for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank; and

if the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is profitable, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending, simulates an increased net income for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank from the increased size of the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank.

3. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively low application score cutoff, a relatively low credit bureau score cutoff, or a relatively less restrictive credit policy for a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system, simulates;

relatively more customers approved;

relatively higher default rate;

relatively larger portfolio size; and

relatively more interest income,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

4. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to:

in the first training course at the first time interval corresponding to the first learning goal on customer behavior in retail lending as selected by the player through a first indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a total marketing budget to be allocated across a plurality of training-stylized retail lending portfolios in a training-stylized retail bank;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the first training course at the first time interval, a portion of the marketing budget allocated to a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is chosen relatively larger by the player by employment of the user interface logic and the user interface system, then;

the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the first learning goal on customer behavior in retail lending, simulates more customers apply for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank and an increased size for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank; and

if the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is profitable, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the first learning goal on customer behavior in retail lending, simulates an increased net income for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank from the increased size of the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank;

in the second training course at the second time interval corresponding to the second learning goal on customer behavior in retail lending as selected by the player through a second indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the second training course at the second time interval, of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively low application score cutoff, a relatively low credit bureau score cutoff, or a relatively less restrictive credit policy for a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system, simulates;

relatively more customers approved;

relatively higher default rate;

relatively larger portfolio size; and

relatively more interest income,

that promote achievement by the player of the second learning goal on customer behavior in retail lending.

5. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively smaller size for a first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively lower default rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively larger size for a second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively higher default rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively larger percent of customer application data for verification in a third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank simulates, over the period of time selectable by the player by employment of the user interface logic and the user interface system;

relatively higher cost to the training-stylized retail bank;

relatively fewer customers; and

relatively lower default rate,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

6. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of one or more management decisions that comprise how the player wishes to manage one or more delinquent account collections for one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the what-if training tool employs the one or more management decisions from the player by employment of the user interface logic and the user interface system to calculate resulting default rates of one or more training-stylized loans and/or one or more customer attrition rates of the one or more training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

7. The apparatus of claim 6, wherein until an end of the period of time selectable by the player by employment of the user interface logic and the user interface system in a corresponding run in the any one of the first training course at the first time interval or the second training course at the second time interval, the what-if training tool by communication with the player through employment of the user interface logic and the user interface system in the if-then interactive testing of the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending, allows and/or requests the player by employment of the user interface logic and the user interface system to:

examine interactive data results; and

input portfolio decisions as the one or more management decisions;

wherein the interactive data results comprise the resulting default rates of one or more training-stylized loans and/or the one or more customer attrition rates of the one or more training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system.

8. The apparatus of claim 6, wherein if the player chooses by employment of the user interface logic and the user interface system, in response to the choice in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, a relatively lower credit line, a relatively lower loan amount, or a relatively lower loan exposure for a first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates:

relatively lower income; and

relatively lower default rate,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if the player chooses by employment of the user interface logic and the user interface system, in response to the choice in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, a relatively aggressive collection strategy for a second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates;

relatively lower default rate;

relatively higher cost to the training-stylized retail bank; and

some loss of customers who close accounts from dissatisfaction with the training-stylized retail bank,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if the player chooses by employment of the user interface logic and the user interface system, in response to the choice in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, a relatively lenient collection strategy for a third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates;

relatively lower collection cost to the training-stylized retail bank; and

relatively higher loss from increased loan delinquency rate,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

9. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of an interest rate to be charged on a loan;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively higher interest rate to be charged on a loan for a first corresponding one of a plurality of training-stylized retail lending portfolios in a training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates;

relatively fewer interested customers;

relatively decreased size; and

relatively higher income,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively lower interest rate to be charged on a loan for a second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates;

relatively more interested customers;

relatively increased size; and

relatively lower income,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

10. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of an economic forecast that the what-if training tool employs to simulate for the player by communication with the player through employment of the user interface logic and the user interface system, portfolio stress testing of a plurality of training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system underestimates an unemployment rate as an economic condition context for a first corresponding one of a plurality of training-stylized retail lending portfolios in a training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates a relatively higher loan delinquency rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system underestimates a need for collection staff in an economic condition context for a second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively higher losses, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending; and

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system overestimates a need for collection staff in an economic condition context for a third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively higher fixed costs, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

11. The apparatus of claim 1, wherein the processor employs computer instructions in the memory to cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, allow and/or request the player by communication with the player through employment of the user interface logic and the user interface system, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval and until an end of a period of time selectable by the player by employment of the user interface logic and the user interface system in a corresponding run in the any one of the first training course at the first time interval or the second training course at the second time interval, to:

examine by employment of the user interface logic and the user interface system a training-stylized financial outcome as interactive data results of one or more training-stylized retail lending portfolios in a training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system; and

input by employment of the user interface logic and the user interface system one or more parameters as one or more management decisions for a corresponding one or more of the one or more training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system,

thereby promoting achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

12. A method for facilitating interactive simulation gaming for creation of an active learning environment on credit risk management for a player, the method comprising the steps of:

employing computer instructions in a memory to cause a processor to perform operations of a what-if training tool that communicates with the player through employment of user interface logic in the memory and a user interface system configured to receive input from the player and present information to the player on training-stylized non-live data decomposed into a plurality of training courses and accesses the non-live data decomposed into the plurality of training courses that comprises a first training course and a second training course;

employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to if-then interactively test the player through employment of the user interface logic and the user interface system on the first training course, through employment of a first portion of the non-live data stylized to a first subset of cause-and-effect relationships in retail lending identified as training priority therefor, to ensure achievement by the player of a first learning goal on customer behavior in retail lending through completion of the first training course at a first time interval; and

employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to if-then interactively test the player through employment of the user interface logic and the user interface system on the second training course, through employment of a second portion of the non-live data stylized to a second subset of cause-and-effect relationships in retail lending identified as training priority therefor, to ensure achievement by the player of a second learning goal on customer behavior in retail lending, accumulated with achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval, through completion of the second training course at a second time interval.

13. The method of claim 12, wherein the step of employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to if-then interactively test the player through employment of the user interface logic and the user interface system on the first training course, through employment of the first portion of the non-live data stylized to the first subset of cause-and-effect relationships in retail lending identified as training priority therefor, to ensure achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval, comprises the step of:

employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to communicate with the player through employment of the user interface logic and the user interface system to present the player with a total marketing budget to be allocated across a plurality of training-stylized retail lending portfolios in a training-stylized retail bank;

wherein if a portion of the marketing budget allocated to a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is chosen relatively larger by the player through employment of the user interface logic and the user interface system, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the first learning goal on customer behavior in retail lending, simulates more customers apply for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank and an increased size for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank; and

if the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is profitable, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the first learning goal on customer behavior in retail lending, simulates an increased net income for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank from the increased size of the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank.

14. The method of claim 12, wherein the step of employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to if-then interactively test the player through employment of the user interface logic and the user interface system on the second training course, through employment of the second portion of the non-live data stylized to the second subset of cause-and-effect relationships in retail lending identified as training priority therefor, to ensure achievement by the player of the second learning goal on customer behavior in retail lending, accumulated with achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval, through completion of the second training course at the second time interval, comprises the step of:

employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to communicate with the player through employment of the user interface logic and the user interface system to present the player with a choice of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if the player by employment of the user interface logic and the user interface system chooses a relatively low application score cutoff, a relatively low credit bureau score cutoff, or a relatively less restrictive credit policy for a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system, simulates;

relatively more customers approved;

relatively higher default rate;

relatively larger portfolio size; and

relatively more interest income,

that promote achievement by the player of the second learning goal on customer behavior in retail lending.

15. The method of claim 12, wherein the step of employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to if-then interactively test the player through employment of the user interface logic and the user interface system on the first training course, through employment of the first portion of the non-live data stylized to the first subset of cause-and-effect relationships in retail lending identified as training priority therefor, to ensure achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval, comprises the step of:

employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to communicate with the player through employment of the user interface logic and the user interface system to present the player with a choice of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if the player by employment of the user interface logic and the user interface system chooses a relatively smaller size for a first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively lower default rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval;

wherein if the player by employment of the user interface logic and the user interface system chooses a relatively larger size for a second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively higher default rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval;

wherein if the player by employment of the user interface logic and the user interface system chooses a relatively larger percent of customer application data for verification in a third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank simulates, over the period of time selectable by the player by employment of the user interface logic and the user interface system;

relatively higher cost to the training-stylized retail bank;

relatively fewer customers; and

relatively lower default rate,

that promote achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval.

16. The method of claim 12, wherein the step of employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to if-then interactively test the player through employment of the user interface logic and the user interface system on the first training course, through employment of the first portion of the non-live data stylized to the first subset of cause-and-effect relationships in retail lending identified as training priority therefor, to ensure achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval, comprises the step of:

employing computer instructions in the memory to cause the processor to perform operations of the what-if training tool to communicate with the player through employment of the user interface logic and the user interface system to present the player with a choice of one or more management decisions that comprise how the player wishes to manage one or more delinquent account collections for one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein the what-if training tool employs the one or more management decisions from the player by employment of the user interface logic and the user interface system to calculate resulting default rates of one or more training-stylized loans and/or one or more customer attrition rates of the one or more training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system that promote achievement by the player of the first learning goal on customer behavior in retail lending through completion of the first training course at the first time interval.

17. An article for facilitating interactive simulation gaming for creation of an active learning environment on credit risk management for a player, the article comprising:

a non-transitory computer-readable tangible medium including computer instructions that, when executed by a processor, cause the processor to perform operations of a what-if training tool that communicates with the player through employment of user interface logic in the non-transitory computer-readable tangible medium and a user interface system configured to receive input from the player and present information to the player on training-stylized non-live data decomposed into a plurality of training courses and ensures achievement for the player of a plurality of individual learning goals on customer behavior in retail lending, that comprises a first learning goal on customer behavior in retail lending and a second learning goal on customer behavior in retail lending, through if-then interactive testing of the player through employment of the user interface logic and the user interface system, on the training-stylized non-live data decomposed into the plurality of training courses that comprises a first training course and a second training course, that teaches the player by communication with the player through employment of the user interface logic and the user interface system the first learning goal on customer behavior in retail lending through completion of the first training course at a first time interval in the what-if training tool and teaches the player by communication with the player through employment of the user interface logic and the user interface system the second learning goal on customer behavior in retail lending through completion of the second training course at a second time interval in the what-if training tool.

18. The article of claim 17, wherein the non-transitory computer-readable tangible medium includes computer instructions that, when executed by the processor, cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a total marketing budget to be allocated across a plurality of training-stylized retail lending portfolios in a training-stylized retail bank;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, a portion of the marketing budget allocated to a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is chosen relatively larger by the player by employment of the user interface logic and the user interface system, then;

the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending, simulates more customers apply for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank and an increased size for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank; and

if the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank is profitable, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, to promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending, simulates an increased net income for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank from the increased size of the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank.

19. The article of claim 17, wherein the non-transitory computer-readable tangible medium includes computer instructions that, when executed by the processor, cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively low application score cutoff, a relatively low credit bureau score cutoff, or a relatively less restrictive credit policy for a corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank over the period of time selectable by the player by employment of the user interface logic and the user interface system, simulates;

relatively more customers approved;

relatively higher default rate;

relatively larger portfolio size; and

relatively more interest income,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.

20. The article of claim 17, wherein the non-transitory computer-readable tangible medium includes computer instructions that, when executed by the processor, cause the processor to perform operations of the what-if training tool to, in any one of the first training course at the first time interval or the second training course at the second time interval corresponding to one of the first learning goal on customer behavior in retail lending and the second learning goal on customer behavior in retail lending as selected by the player through an indication to the what-if training tool by employment of the user interface logic and the user interface system, present the player by communication with the player through employment of the user interface logic and the user interface system with a choice, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, of one or more credit risk approval strategies for size and risk level of one or more training-stylized retail lending portfolios in a training-stylized retail bank over a period of time selectable by the player by employment of the user interface logic and the user interface system;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively smaller size for a first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the first corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively lower default rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively larger size for a second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the second corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, simulates relatively higher default rate, over the period of time selectable by the player by employment of the user interface logic and the user interface system, that promotes achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending;

wherein if, in the if-then interactive testing of the player through employment of the user interface logic and the user interface system in the any one of the first training course at the first time interval or the second training course at the second time interval, the player by employment of the user interface logic and the user interface system chooses a relatively larger percent of customer application data for verification in a third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank, then the what-if training tool by communication with the player through employment of the user interface logic and the user interface system, for the third corresponding one of the training-stylized retail lending portfolios in the training-stylized retail bank simulates, over the period of time selectable by the player by employment of the user interface logic and the user interface system;

relatively higher cost to the training-stylized retail bank;

relatively fewer customers; and

relatively lower default rate,

that promote achievement by the player of the corresponding one of the first learning goal on customer behavior in retail lending or the second learning goal on customer behavior in retail lending.