Run the bank. Learn by making decisions.

BNKR is an institutional banking simulation built for financial institutions, universities, and continuing-education programs. Players take on the role of bank leadership and run a consumer-lending company across many quarters of play. Every quarter you read the situation, set strategy, advance the simulated economy, and live with the consequences of every decision.

The simulation models the real moments where bank decisions get made: capital and liquidity planning, underwriting model selection, CECL reserves, fraud and AML controls, fair-lending posture, warehouse-line and securitization execution, regulatory exam cycles, MRA escalation, and committee oversight. A stochastic projection engine produces probability-weighted financial outcomes, and AI-generated executive briefings explain what just happened and why.

BNKR ships with an instructor-facing classroom mode, facilitator-led workshop mode, multi-player team play, professional credit transcripts (CRA, CLE, CPE, CRCM, CAMS), an analytics workspace, and a public showroom you can demo without an account. It is used in MBA programs, executive education, in-house bank training, and policy and compliance workshops.

Each session begins with a charter brief that explains the bank's mandate, balance sheet, and operating environment. Players choose underwriting models, set risk appetite, allocate capital between consumer credit, small business, and treasury portfolios, and respond to live macroeconomic events that range from a soft landing to a hard recession, an interest-rate shock, a partner-bank failure, or a public consumer-protection complaint. Decisions feed an integrated ledger that tracks net interest margin, fee income, charge-offs, allowance for credit losses, regulatory capital ratios, and liquidity coverage in parallel.

The debrief surface explains every outcome with traceable evidence. A player can ask why their CET1 ratio dropped, why the fair-lending exam flagged their auto book, or why the securitization pricing widened, and the system links the answer back to the specific quarterly decisions, simulated counterparty behavior, and macro events that produced the result. Faculty and facilitators use the debrief spine as a grading anchor and as the structure for post-session discussion in classrooms, workshops, and executive offsites.