For branch networks and regional management, credit underwriting, digital product transformation, and cooperative banking and microfinance. What gets practised here is not the product: it is the moment you have to say yes or no on incomplete information with a committee watching.
Six conversations you have already had
Each one is a simulation with an economic model behind it, not a discussion case.
The committee approves what the analyst had already decided.
Underwriting and credit analysis with the bias already in the room: who presents first, which covenant gets negotiated, what stays out of the file. The result shows up two years later.
The branch hits target and the customer leaves.
Commercial target against customer lifetime value, in a network where every branch optimises its own. A sum of branches hitting target can be a bank losing its book.
The capital ratio holds until it does not.
Capital under Basel III and liquidity stress: the decision that looks prudent in a calm quarter is the one that leaves you without a buffer when the market shuts.
We launched the digital product and cannibalised the margin.
Fintech, embedded finance and BaaS: opening the new channel has a cannibalisation cost and not opening it has another, and the two fall due at different times.
We banked the unbanked and arrears ate the inclusion.
Financial inclusion and microcredit: growing into customers with no history is a decision about risk, price and governance — and social impact does not survive a badly underwritten book.
The risk was in the correlation, not the asset.
Securitisation and credit derivatives: every tranche looks reasonable on its own. What breaks the structure is everything moving at once.
Available now, not on a roadmap
Commercial and branch banking, risk and capital, cooperatives and microfinance, fintech and structured product. Natively in Spanish, English and Portuguese.
Express catalogue: banking, risk, cooperatives and fintech
- Full-Institution Bank
- Retail Banking Branch: The Competitive Branch Game
- El Banco del Barrio
- El Banco en el Límite: Basel III Capital Management
- La Banca de Inversión
- La Sala de Operaciones
- La Línea de Crédito
- Análisis Crediticio Empresarial
- El Mapa de Riesgos
- Risk Underwriter — Banco Atlântico Norte's €45M LBO Term Loan
- LiquidityStress: Liquidity Risk Management Dashboard
- CreditChain: Credit Derivatives Explorer
- WaterfallViz: Structured Finance & Securitization Cash Flow Visualizer
- Disrupción Fintech: Estrategia BancaVerde
- EmbeddedFinance: BaaS, Embedded Lending & Fintech Infrastructure
- Fintech en Colombia — Crisis Regulatoria de PayLocal
- Blockchain & Digital Assets Strategy
- CoopLeader — Cooperative Credit Union Management
- Cooperativa Colombiana: Gestión
- Microfinance Impact: Financial Inclusion in Emerging Markets
- Microfinanzas y Credito Popular
- Banking the Unbanked — NairaReach's Inclusion Mandate
- ShariaFinance: Islamic Finance Products Explorer
- Financial Services Marketing — Banco Andino
And if your case is not on the list
On the Universal Simulation Framework we customise brand, portfolio and indicators in a 1-to-2-week cycle, and we also write a simulation from scratch on your own case: your segment, your arrears, your pricing structure. You do not cover a sector by buying a catalogue — you cover it by owning a factory.
Four buyers, four different reasons
Branch network and regional management
Branch and area directors carrying target, price and cross-sell. Formats from 90 minutes, repeatable across the whole network and in each country's language.
Risk and underwriting
Analysts and committees deciding on an incomplete file. They practise the bias, the covenant and the price of risk before the decision is real.
Product and digital transformation
Teams launching a digital channel, embedded finance or a fintech partnership who have to defend the business case with the cannibalisation included.
Cooperative banking and microfinance
Cooperatives, credit unions and microcredit institutions where the social mandate and solvency get decided in the same meeting.
Honest about the fit
Three limits we would rather state before a demo than after one:
- We are not a trading simulator. We model a desk's or a committee's decision, not execution in an order book or the handling of a market terminal. For microstructure or platform practice, we are not the tool.
- We issue no regulatory certification. No MiFID II, no EFPA, no equivalent — and we are not an IRB model-validation tool. What we give you is per-participant decision data, exportable and taggable by competency.
- We are not a core-banking sandbox. We do not train on your system — not Temenos, not FIS, not yours — we train the decision taken in front of the screen.
Frequently asked questions
Is this a trading simulator?
No. We model the decision a committee actually takes — approve this exposure or not, where the capital goes, what to do when liquidity tightens — not execution in an order book. La Sala de Operaciones teaches the logic of a desk, not how to work a market terminal. If you want microstructure or trading-platform practice, we are not it.
Does it cover cooperative banking and microfinance?
It is one of the strongest parts of the catalogue: cooperative and credit-union management, popular microcredit, financial inclusion and Islamic finance, alongside classic commercial banking. Spain and especially LATAM are where it gets used most.
Does it cover capital, liquidity and risk?
Yes: capital under Basel III, liquidity stress, underwriting and corporate credit analysis, risk mapping, and correlation risk in structured product and securitisation. These are risk-management simulations, not IRB model-validation tools.
Does it award any certification?
No. We issue no regulatory credential and prepare for no MiFID II, EFPA or equivalent exam. What comes out of a session is per-participant decision data, exportable and taggable by competency, which your L&D function can use as internal evidence.
Can you use our products and our numbers?
Yes. On the Universal Simulation Framework we adapt brand, portfolio and KPIs in a 1-to-2-week cycle, and we write a simulation from scratch on your own case: your segment, your arrears, your pricing structure.
Tell us which decision keeps jamming
One short call: you tell us the function, the profile of the participants and how much time you have. We tell you what exists today, what would have to be built, and what we will not be able to do.
Talk to the teamLast reviewed: 2026-09