In addition, it would provide them with an incentive to develop better internal credit-rating systems.

ECONOMIST: Banking regulation

It is also says that motivation is important - but in the form of a "personal, internal drive" rather than the promise of a reward or an incentive.

BBC: UK pupils 'among least likely to overcome tough start'

Originating from the video game industry, many of these pioneering concepts now play a key role in driving incentive and behavior management for both brands in the consumer world and internal scenarios in the workplace.

FORBES: Research Summary: Demystifying Enterprise Gamification For Business

Where their internal models suggest that the capital required is lower than the 8%, banks have a strong incentive to convert these assets into tradable securities.

ECONOMIST: Banking regulation