The idea of creating a virtual bank in Virtua Foot Manager (VFM) for clubs is an interesting one and could add a new dimension to the game. Here are a few suggestions for improving it:

1. Creating a Virtual Bank for Clubs

How it would work: Each club could open an account in the virtual bank. Clubs would deposit funds in their account to earn interest on their savings.

Interest rate: Offer a variable interest rate depending on the club's balance and the duration of the deposit. For example, the longer the club leaves money in the account, the higher the interest rate. This would encourage clubs to save and plan for the long term.

Deposit Limit: Limit deposits to a certain amount, to prevent abuse and ensure that financial management remains an important strategic aspect.

2. Loans for Clubs

Loan amounts: Clubs could borrow money from the bank according to their creditworthiness (based on their financial situation, fund management and recent performance).

Repayment terms: Implement strict repayment terms, including payment schedules with interest. Clubs should be cautious not to borrow too much, as failed repayment could result in penalties or even bans on further loans.

Interest rate on loans: The interest rate on loans could be higher than that on deposits to encourage savings and avoid artificial inflation in club finances.

3. Bank-related events

Crisis Bank: Random events could affect the bank, such as an economic crisis, where interest is reduced, or a financial crash that makes loans more expensive. This would bring an aspect of risk and crisis management.

Special Operations: Offer special options, such as short-term loans for urgent transfers or stadium renovations, but at higher interest rates.

4. Control and Monitoring Mechanisms

Financial reporting: Include a reporting system so that each club can track its bank balance, interest earned or paid, and outstanding loans.

Banking audit: Enable the organising body to monitor the financial situation of the clubs in order to guarantee fair competition and avoid abuses of the banking system.

5. Strategic implications

Money Management: This would encourage clubs to be more strategic with their money, managing finances and avoiding excessive debt. Financially successful clubs could afford to take risks to improve their infrastructure or squad, but this would come at a cost.

Effect on Transfers: The bank could be used to finance major transfers, but clubs would need to consider the long-term impact of their loans and investments.

This mechanism would add economic and strategic depth to the game, where clubs would have to balance their financial management with their sporting ambitions and avoid clubs going bankrupt and then seeing their infrastructure demolished by returning to a lower level (especially).

So we demolish union banks?

You went looking for the AI idea, didn't you? xD

Arazosv: T'as été chercher l'idée sur l'IA non ? xD

I hope so because otherwise it's scary 🤣

Given the choice of words, that explains the rotten idea

Déjà le mec il aime sa publication 🤣🤣🤣

All for it!

We could also ask our bank for mortgages to extend our stadium, insurance for future supporters' coaches, life insurance and, to take the idea even further, we could add health insurance for the players to reduce physio costs!

WONDERFUL!

Zeus: Déjà le mec il aime sa publication 🤣🤣🤣

It's when you want to see who likes your thumb like too

AmirAll: So we demolish union banks?

Aren't all clubs part of an agreement?

lens59: C'est quand tu veux regarder qui like ton pouce like aussi

He's just weird the guy otherwise what's so funny about this and here they are they never propose anything even bugs and when others propose they are on the negative side making the topic blaze 😡 if not you mm you know where is there a possibility to see who has liked a topic without doing that 🙄

You have to press the number... on a smartphone, of course, that requires a certain dexterity without liking yourself ^^

A psychopath 😂😂

Lebaygue: Faut appuyer sur le chiffre...certes,sur smartphone, ça demande un certain doigté sans pour autant se liker soi même^^

My wife likes it.

Lebaygue: Faut appuyer sur le chiffre...certes,sur smartphone, ça demande un certain doigté sans pour autant se liker soi même^^

Cool didn't know but but not easy too on everything I just liked on a topic right now

Lebaygue: Faut appuyer sur le chiffre...certes,sur smartphone, ça demande un certain doigté sans pour autant se liker soi même^^

1 time out of 2 I'm free on the phone

Against. And, without wishing to speak for him, I don't think Aymeric will ever be in favour of this kind of proposal. He's going to have to manage his money differently. They say you can do that in a management game.

Jalloh: Tout les clubs ne figurent pas dans une entente ?

If it is under Union control, then yes, we need a detailed loan / credit plan and rate of earnings...

AmirAll: If it is under Union control, then yes, we need a detailed loan / credit plan and rate of earnings...

Yeah if only but the vision of the game differs 🤷 and others are only on the negative only they are against any proposed topic of improvement ever seen they are for 😎

🤬💥☠️ !!!

Come back Vladimir Ilyich... they've gone mad!

Some of them think about managing players, not making a profit.
There is no interest in creating competition for clubs that have already fulfilled their vision.
The Union already has a Treasurer whose job it is to create investment and debt plans by doing advanced bookkeeping. At this point the ball is in the opponent's hands.
There is no ranking of the best treasurer.
In other words, the issues are pregnant with many innovations, but we are busy throwing stones at the project makers

I like the idea of a health insurance scheme for players to reduce the cost of physiotherapy suggested by Aguado, it's really a great improvement to look into.

In the same vein, we could accumulate miles on our away games to reduce our travel costs once a season.

Demi-cerveau: Moi je retiens l'idée de la mutuelle pour les joueurs pour réduire les frais de Kinés suggérés par Aguado, y'a vraiment une super amélioration à creuser.

Dans la même veine, on pourrait cumuler des miles sur nos matchs à l'extérieur afin de pouvoir réduire nos frais de déplacement une fois par saison.

A kilometre declaration form to reduce the financial impact of ..

A good idea

Who gets meal vouchers?

Merior: Qui des tickets restau ?

Why the hell didn't I think of that?

Don't forget the end-of-year bonuses and the St Nicholas and Father Christmas dinners for the U14s, that brings money into the club too!

Why not organise poker, belote and couillon tournaments too?

It's an interesting idea!

With endurance it will eat like 4

It's crazy seeing these old men acting so immature with their boring sacarsm whenever someone drops an idea.
They always have something against such ideas.
You can see the ammount of effort he put into bring out this idea.
Stop being arseholes and acting like grown men.
It's only an idea. Geez.
Most of you guys are over 30 years old. I don't see the evidence here.
Old people scared of change. We see that everywhere.
GROW UP!!!!!

Mide: It's crazy seeing these old men acting so immature with their boring sacarsm whenever someone drops an idea.
They always have something against such ideas.
You can see the ammount of effort he put into bring out this idea.
Stop being arseholes and acting like grown men.
It's only an idea. Geez.
Most of you guys are over 30 years old. I don't see the evidence here.
Old people scared of change. We see that everywhere.
GROW UP!!!!!

A lot of effort?

I'm thinking more along the lines of:

Chatgpt, can you suggest an idea for improving the banks on Virtuafoot? Thank you.

Go to chatgpt.com
Write: "how to create a bank in VirtuaFoot Manager"
Ctrl + C.
Ctrl + V.

We're at the zero level of effort and interest.

You have to stop being so benevolent at this level and simply paraphrase Jean-Pierre Coffe to judge the quality of this project.

You don't realise man, it's hard work asking chatgpt to think for you 😆

I'm closing the debate, which is about the method, not the idea