Agentic Knowledge Tracing: A Multi-Agent LLM Architecture for Stealth Assessment of Financial Literacy in Serious Games

Assessing financial literacy during gameplay without disrupting the learning experience remains a key challenge in serious games for education. We present the Agentic BKT pipeline, a multi-agent large language model architecture for stealth assessment of financial competencies from open-ended gameplay events. The pipeline processes events from a 2D platformer serious game aligned with the OECD/INFE financial literacy framework through four phases: (1) the game captures every player decision as a structured event log; (2) an LLM event classifier labels each action on a four-point rubric validated against three domain experts (Fleiss kappa = 0.624, substantial agreement); (3) four domain-specific agents specializing in risk mitigation, investing, spending, and credit management perform session-level reasoning over behavioral trajectories, feeding per-competency Bayesian Knowledge Tracing that estimates mastery within each domain; and (4) an expert judge agent synthesizes the domain-level estimates into an overall mastery score. Evaluated with 193 K-12 participants across 264 game sessions, the Agentic BKT pipeline yields mastery estimates significantly correlated with learning gain (r = 0.276, p = 0.0001) and post-test scores (r = 0.333, p < 0.0001) while showing no correlation with pre-test scores, providing both convergent and discriminant validity. The multi-agent approach approximately triples the predictive validity of a single-LLM baseline (r = 0.095, not significant) in this study, demonstrating that domain decomposition and session-level reasoning play a central role in capturing the multidimensional nature of financial literacy from gameplay

AI-Enabled Serious Games: Integrating Intelligence and Adaptivity in Training Systems

Serious games are widely used for learning and training across domains such as healthcare, defense, and education. Persistent challenges remain, however, including static scenario design, authoring bottlenecks, limited learner modeling, and difficulty implementing meaningful real-time instructional adaptation. Recent advances in artificial intelligence (AI) introduce novel capabilities such as dynamic scenario variation, contextual feedback, adaptive pacing, and learner-state modeling that may help address some of these limitations. At the same time, integrating AI into serious games raises important questions related to validity, transparency, system control, and learner trust. This chapter examines how contemporary AI approaches may support real-time instructional adaptation in serious games. It distinguishes between instructional intelligence, defined as a system's capacity to infer learner knowledge and reason about pedagogically appropriate responses, and adaptivity, defined as the ability to modify instructional actions during interaction. A historical synthesis of adaptive learning systems is presented, tracing developments from early computer-assisted instruction through intelligent tutoring systems (ITS), dynamic difficulty adjustment (DDA), authoring platforms, learning analytics, and recent AI-enabled architectures. Building on this perspective, the chapter discusses how large language models (LLMs), reinforcement learning (RL), and agent-based architectures may contribute to more integrated forms of intelligence and adaptivity in serious games. It also highlights practical and research challenges associated with AI-enabled systems, including explainability, validation, computational cost, and the limited empirical evidence regarding long-term learning outcomes in AI-enabled serious games.