This whitepaper discusses gaps in modern learning and proposes solutions through an online learning platform called LearnRoll. It finds that while students are tech-savvy, they lack critical thinking and problem solving skills. There are also not enough teachers being trained. LearnRoll aims to develop skills like critical thinking, problem solving, social-emotional skills and financial literacy through gamified competency-based learning using avatars across devices. It analyzes learning through projects and badges to improve outcomes.