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Opinion: Poland calls on EU to tighten noose on illegal gambling payments

Justyna Grusza-Głębicka
Dr Justyna Grusza-Głębicka reports that Poland has initiated a direct fight against grey market gambling payments. In full swing, consequences could be felt beyond Polish borders as stakeholders will likely demand the EU intervene on facilitating illicit payments…

Battleground drawn
Since 2017, Poland has enforced legislation prohibiting payment service providers (PSPs) from facilitating transactions for websites blacklisted in the country’s Register of Domains Used to Offer Gambling in Violation of the Law. PSPs are required to block such services within 30 days of a domain being listed. In practice, however, enforcement has been inconsistent and the grey market for online gambling has flourished.

Now, Polish regulators are stepping up their efforts. Authorities have turned their focus to the financial intermediaries that continue to process transactions for offshore gambling operators, despite legal prohibitions. The target is clear: the estimated 41% of the market that remains outside the state’s regulatory reach.

Poland operates a monopoly on online casino operations, granted exclusively to Totalizator Sportowy, a state-owned entity. But this monopoly has been persistently undermined by unauthorised operators, many of whom find willing partners among payment institutions that, knowingly or otherwise, enable funds to flow across national and regulatory boundaries.

Coordinated actions
The matter took centre stage at the European Financial Congress, held in Sopot in June, during which the financial sector and the grey area of gambling were discussed.

Participants included Beata Stelmach, CEO of Totalizator Sportowy; Maciej Akimow, CEO of iGaming Dragon; Tadeusz Białek, representing the Polish Bank Association; Adam Lamentowicz, an executive at Superbet Group and President of the Polish Chamber of Entertainment and Betting Industry; Marcin Mikołajczyk, representing the Polish Financial Supervision Authority (KNF); and Jerzy Mroczek. associated with the BLIK mobile payments system.

The creation of a dedicated task force was proposed, with the aim of combating the transfer of funds to illegal operators.

The declarations made at the Congress quickly found real-world resonance. A discussion broke out on LinkedIn noting that the Polish Financial Supervision Authority (KNF) had sent letters to payments companies, stating that it had identified the involvement of certain PSPs of offering payment services related to online gambling in Poland without the required licenses, with some PSPs cooperating with others.

The authority expects payment providers to immediately verify their operations in this context and comply with Poland’s Gambling Act by ceasing to provide such services.

Deep consequences
This is an important message for all entities involved in the payments market. It is worth noting that not every entity technically enabling payments has the status of a payment institution. However, even without such status, it may still be held liable. This includes not only administrative liability but also potential criminal or fiscal-criminal responsibility.

Put simply, payment providers, whether complicit or merely inattentive, can be viewed as “enablers of a shadow economy”. Though Poland is now moving assertively, its experience mirrors that of many EU member states struggling to contain grey-market gambling without a harmonised legal framework.

Spotlight on Brussels
There are currently no unified EU-level regulations concerning gambling apart from a few specific provisions applicable across all Member States – at least for now.

However, there is a clear trend towards harmonisation in the financial regulatory space. The gambling sector has found ways to operate underground and has embraced cryptocurrencies.

Still, we now have the MiCA Regulation (Markets in Crypto-Assets Regulation), which introduces harmonised EU-wide rules on crypto-assets, specific requirements for entities operating in this space, and applicable AML procedures.

Whether this signals a more coordinated European approach to gambling oversight remains to be seen. But the message from Warsaw is unmistakable: those facilitating illegal gambling whether operators, affiliates, or financial intermediaries will no longer be given a pass.

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Author Bio: Dr Justyna Grusza-Głębicka is a lawyer and expert in gambling law in Poland. She holds a Doctor of Laws degree, with her doctoral dissertation focused on the issue of state monopoly in the gambling sector. She runs her own law firm, specializing in gambling law, compliance-related matters, particularly anti-money laundering (AML), audits, legal opinions, and obtaining licenses for gambling operators.

Dr Grusza-Głębicka is an active participant in academic conferences and the author of numerous publications, both scholarly and industry-oriented. In 2024, she was nominated for the prestigious Rising Stars – Lawyers of Tomorrow award, organized by Wolters Kluwer.

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Government warned about threat to gambling harm support network after GambleAware closure

The Betting and Gaming Council (BGC) has told iGaming Expert that the UK Government’s move to a statutory levy “must not mean handing control to a narrow group of anti-gambling campaigners or creating a publicly funded cottage industry driven by ideology rather than evidence”.

Representing the regulated UK betting and gaming industry, the standards body’s statement comes in response to GambleAware announcing last week that it would undergo a “managed closure” by the end of March next year as a result of the new levy system.

The BGC highlighted the work achieved by GambleAware in providing gambling harm support, before reminding the UK Government that it is important to make sure funding is still made available to services who can offer help to those that need it the most.

A BGC spokesperson said: “GambleAware has played a central role in funding and commissioning independent research, education and treatment for more than two decades, underpinned by the voluntary contributions of the betting and gaming industry.

“This long-standing commitment, unmatched by other sectors, has helped establish and fund services that support thousands of people every year.

“While we campaigned for and support the Government’s decision to move to mandatory contributions, this must not mean handing control to a narrow group of anti-gambling campaigners or creating a publicly funded cottage industry driven by ideology rather than evidence.

“What matters is that funding remains independent, ringfenced and focused on delivering real outcomes for those at risk of harm.”

Industry concerns

Many in the gambling industry have raised concerns about the funding of services once the switch to the statutory levy takes place.

Deal Me Out has written to the Government asking for services to be treated fairly, while GAMSTOP Group highlighted the vital work GambleAware has done and stated that it believes this will continue under the statutory levy, adding that player welfare must be the focal point of all work.

GambleAware’s CEO Zoë Osmond has called on the levy’s Research, Prevention and Treatment Commissioners – the UK Research and Innovation, Office for Health Improvement and Disparities, as well as NHS England and relevant bodies in Scotland and Wales – to build on the charity’s work.

Dan Waugh, Partner at Regulus Partners, believes the funding system is not living up to its billing and is creating more uncertainty for gambling harm treatment providers. BetBlocker Founder and Trustee, Duncan Garvie, added that service providers must be protected during the statutory levy transition period

Some of these statements were also echoed by the BGC, calling for any decisions that will be made to be based on facts.

The standards body said: “Industry contributions have totalled over £170m since 2020 alone, supporting NHS clinics, third-sector providers, and national education programmes. BGC members remain unequivocally committed to safer gambling, and to a robust, independent, and evidence-led system.

“The transition to a statutory levy must protect existing expertise, maintain service continuity, and ensure that decisions are based on data, not dogma.”

UK Gov wants ‘smooth and stable transition’

In response to GambleAware’s closure, the UK Government’s Minister for Gambling, Baroness Twycross, praised the charity’s work and the wider third sector, adding that the levy will build on their work and that a smooth transition to the new system is a priority.

“GambleAware and others across the third sector, including the National Gambling Support Network, have worked with tireless commitment over the years to commission and deliver effective services for people experiencing gambling-related harm,” noted Twycross.

“As the new statutory gambling levy system comes into effect, managing a smooth and stable transition is an absolute priority, and we are taking significant steps to maintain service provision. The new levy system will build on the successes of the current system to improve and expand efforts to further understand, tackle and treat harmful gambling.

“I want to thank GambleAware and all their staff for their efforts to support those in need across our country.”

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UKGC to address data concerns after stats regulator critiques flagship survey of gambling habits

The UK Gambling Commission (UKGC) has issued a response to the Office for Statistics Regulation (OSR) following its review of the Gambling Survey for Great Britain (GSGB), outlining a timetable for addressing any outstanding recommendations.

Within its response, the UKGC said that most of the recommendations will be addressed in October this year, which is when the second annual GSGB report is scheduled to be published.

GSGB reflections and OSR recommendations

Reflecting on the past year since the first official GSGB statistics were published, the Commission noted that the GSGB hub on its website had 5,271 user visits and includes a variety of outputs from the statistics, including a series of supplementary tables and two deep-dive reports.

Nearly 50 users downloaded the first GSGB raw data, published in the UK Data Service in February 2025, with the data being included in several externally published studies.

Back in May, OSR published its review of the GSGB from Professor Patrick Sturgis of the London School of Economics, outlining seven recommendations for the UKGC to act on. These recommendations were:

Research to better understand the relationship between the survey topic and the propensity of gamblers to respond to survey invitations

Undertake additional research to understand the role of socially desirable responding as the driver of the difference in gambling estimates between in-person and self-completion surveys.

Undertake a randomised experiment to evaluate the effect of the updated list of gambling activities on estimates of gambling prevalence and harm.

Take steps to assess the extent of potential bias in the subset of questions administered to online respondents only.

Continue to monitor best practice in the area of household selection of adults in push-to-web surveys.

Research the prevalence of gambling and gambling harm in groups that are excluded from the GSGB because they are not included in the sampling frame.

Seek opportunities to benchmark the estimates from the GSGB against a contemporaneous face-to-face interview survey in the future.

UKGC’s progress so far

Publishing its response to the OSR recommendations, the UKGC stated it has completed the following:

Updated the GSGB hub’s survey improvements page with information about experimental research commissioning – April 2025.

Hosted a webinar to launch experimental research implementing recommendations 1-3 from Professor Sturgis’ report – April 2025.

Provide a GSGB feedback channel for users – June 2025.

Created and published a user engagement strategy outlining how it will interact and understand the needs of users – July 2025.

Develop and implement a GSGB communications strategy – July 2025.

In terms of recommendations that are ongoing, the Commission stated that it will continue:

Updating the improvements page with the latest developments.

Incorporate user feedback to ensure the survey remains relevant.

Offer user feedback on contributions that can or can’t be addressed via GSGB.

Review and broaden the stakeholder engagement network where possible.

Build on partnerships with other official statistics producers.

Inform users on GSGB page updates in a timely and transparent manner.

Commission’s schedule ahead

As for what still needs to be completed, the UKGC has scheduled to:

Publish research governance framework – July 2025.

Receive feedback from the GSGB statistics user group on other information they would find useful regarding usage of statistics – July 2025.

Feedback from users on GSGB content they want to see published and how they would like to access data – July 2025.

Publish a report from experimental research – August 2025.

Show how GSGB links to evidence roadmaps – September 2025.

Provide additional quality assurance information in the GSGB technical report to combine UKGC and National Centre for Social Research processes – October 2025.

Publish information on how GSGB data is validated against other data sources within the technical report – October 2025.

Add links to guidance on using GSGB data from GSGB statistical landing pages and technical report – October 2025.

Tailor outputs to different users and potentially provide notes to editors when appropriate – October 2025.

Bring two GSGB technical support sections together – why the survey may underreport (people with lived experience may not respond) and why it may overreport (gambling focused) – into the same section – October 2025.

Potentially update guidance after experimental research based on Professor Sturgis’s recommendations and share with the statistics user group – October 2025.

Update materials relating to GSGB consistency and comparability with other related statistics after experimental research to implement Recommendations 1-3 from Professor Sturgis’s report is completed – October 2025.

Expand Power Bi dashboard, offering more granular data, cross-tab potential and smaller geographical area data – October 2025.

Bring hyperlinks from Excel contents page to tables and data tables – October 2025.

Investigate adding Digital Object Identifier (DOI) for publications to track how GSGB is being used and/or published – October 2025.

Publish communication on how GSGB data fits within the broader gambling data landscape and how data is integrated with other sources – December 2025.

Benchmark GSGB data against Adult Psychiatric Morbidity Survey (APMS) – December 2025.

Benchmark GSGB data against the 2024 Health Survey for England – March 2026.

Additional questions have also been incorporated into the GSGB, including questions on consumer trust in gambling, unlicensed gambling and if respondents have registered with GamStop, while the question set about bingo has been expanded to understand the locations where bingo is being played in person.

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SBC Summit preview: Midnite compliance VP Alex Henderson on the one crucial lesson UK bookmakers must learn

British betting is a highly valuable, highly regulated and highly competitive market, a holy trinity of factors that market newcomers like online sportsbook and casino Midnite are trying to take on in stride.

A recent regulatory upheaval, and with some politicians calling for yet another one, has left operators both large and small with a lot of compliance challenges on their plate. Midnite’s VP of Compliance, Alex Henderson, shares his perspective on the UK’s changing compliance dynamics, ahead of discussing this topic at the SBC Summit Lisbon.

As a relatively newcomer to UK betting, how has Midnite taken to the player protection focus that has dominated the market in recent years?

I have been at Midnite only a short time, and what I can say is that as a business, they genuinely put the customer first in everything they do. No decision is made without considering the customer. Protecting customers is key, Midnite wants to ensure that customers have a great experience, but more importantly, they want them to be safe.

How can smaller operators balance market growth ambitions, including advertising and player outreach, with the need to ensure players are protected to the fullest extent?

I would suggest that focusing on the consumer will help any business design products that will help achieve growth. Even if you look outside of gambling at businesses such as Monzo and Revolut. They started with a product designed to help customers, the growth was a consequence of building an excellent product.

How has the company learned from the lessons, and mistakes, of its contemporaries when it comes to player protection?

One thing that is great about our industry is that we all learn from and help each other, especially within compliance. In the UK specifically, the fact that the UKGC shares best practice and learnings from enforcement action is a fantastic tool for compliance professionals and gambling operators in general. I would say that the main lesson in player protection is a simple one, make your product and the environment safe and user friendly.

Is navigating the changing dynamics of player protection, with the Gambling Act review still being adopted, a challenge for a newcomer brand like yourselves?

Changing regulation and guidance is a challenge for all operators, not necessarily because of complexity, but because of the technical time and operational effort required to implement changes correctly. Beyond technical implementation, you also need to embed new processes, train teams, and monitor for effectiveness.

That said, when you operate in a regulated industry, you develop a certain level of agility. Newer brands, if anything, are often better positioned to adapt quickly. We’re not constrained by legacy systems or internal bureaucracy, which gives us the flexibility to build compliance into our processes from the ground up.

So while regulatory change always requires work, it’s something we expect, and we’ve designed our structure to be able to respond quickly and responsibly. I have witnessed this first hand at Midnite already, where a challenge is presented and the various experts throughout the organisation band together to find a swift and effective solution.

Is more cross-industry collaboration needed between large and small operators to ensure customers are not just jumping from site to site?

I think we’ve actually started to see some really solid progress in this area, especially at conferences and roundtables where the egos get left at the door and people genuinely want to solve things together.

There’s still more to do, of course, especially around things like data sharing and consistent standards, but the intent is there now in a way it maybe wasn’t a few years ago. The more we treat player protection as a shared responsibility, the harder it becomes for players to fall through the cracks.

Could the industry make more use of the huge amounts of player data that have been amassed by the largest and most well-established firms?

Oh absolutely, and not just to sell them another accumulator. Some of the big firms are sitting on data goldmines, but most of the time it gets used for marketing or risk, not protection.

There’s so much untapped potential to use that data for early intervention, better tooling, smarter limits. The tech exists. The question is whether we’re willing to share, standardise, and prioritise it for the right reasons. The good thing is, there are a lot of operators taking strides in the space, so are some external providers who have been raising the bar here.

What will SBC Summit attendees learn from your panel about the future of player protection in markets like the UK?

I don’t like sitting on panels and repeating the same messages from my industry peers. I would say that attendees’ learning will depend on two things… the questions I get asked on the day and then how open attendees are to different perspectives.

We’ll talk about what’s actually working, where the gaps still are, and how we move from theory to action. Expect honesty, a bit of healthy disagreement, and maybe even a few useful ideas you can nick for your own team.

SBC Summit will take place from 16–18 September at the Feira Internacional de Lisboa and MEO Arena, bringing together 30,000 industry stakeholders for an unmissable three-day experience.Looking to attend? Here’s how:

Secure your place with a VIP Event Pass – Enjoy full access to all conference sessions, the exhibition floor, exclusive networking events, and complimentary food and drink throughout the summit.

Bringing the team? Take advantage of our Group Pass Discount — purchase three or more VIP Event Passes and pay just €400 per ticket (saving €200 off the standard price).

Operator or affiliate? You may be eligible for a complimentary VIP Event Pass, which includes full access to the exhibition, conference, and exclusive networking events. Apply now to reserve your spot.

Expo+ Pass: Gain access to the full exhibition floor and all conference sessions across the three days. This does not include access to our exclusive VIP evening networking events.

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SBC Summit preview: Miguel Luis of Lebull says Portugal must learn RG lessons from other markets

Responsible play is one of the most important elements of online gambling today that all industry stakeholders must play a role in upholding to the highest standards.

This was the topic of discussion with Miguel Luis, Head of Compliance at Lebull, who spoke to iGaming Expert ahead of the SBC Summit and the Affiliate Leaders Summit, which takes place this September in Lisbon.

iGaming Expert: What challenges do operators face in balancing responsible gambling efforts and optimising the player experience?

Miguel Luis: The biggest challenge is to maintain an engaging and frictionless experience while protecting the player from risky behaviour. The most common responsible gaming measures, such as wage, deposit or loss limits, are often seen by players as an “interference” in their leisure time.

The risk here is that if the tools are too intrusive or poorly communicated, they can lead to frustration, or even lead the player to seek out unlicensed sites that do not adopt these practices, or that can be easily removed, without waiting periods.

In addition, operators face regulatory and reputational pressure, often being held accountable for individual behaviours. This requires a preventive approach, supported by technology: AI-based / machine-learning behavioural monitoring systems that detect problematic patterns, alert the operator and trigger discreet but effective interventions, such as pop-ups with suggested breaks or personalised limits.

I believe the right balance involves investing in educational UX/UI, with elements that resonate with the players, creating experiences where RG tools are presented not as barriers, but as elements of value to the user, and especially where these can be communicated as something good and at the reach of the player, not just as something “there”, or unilaterally imposed on the player.

iGX: What role do game suppliers play in upholding responsible gambling principles, and how can they work with operators to improve their understanding of responsible gambling efforts?

ML: Suppliers should not only be creators of engaging content but also central players in promoting safe gambling.

This involves various aspects. A starting point can be developing games with responsible design, where volatility is transparent, wins and losses are clearly explained, and reward mechanisms (such as free spins or jackpots) do not encourage compulsive cycles. But it can also include visual elements such as session time messages, loss reminders, balance counters and real-time counters. Last, but not least, it can involve allowing the operator to set features such as “in-game limits” or mandatory breaks after a certain time.

Operator-supplier collaboration can be enhanced through joint efforts, namely workshops on player behaviour, integrating real-time data, so operators can make informed decisions about games or risk profiles, or even joint certifications (e.g. through iTech Labs, eCOGRA, GamCare) demonstrating compliance with RG practices.

Suppliers should also be open to adjusting games based on real behavioural data. For example, if a game shows potentially problematic usage patterns, it can be re-evaluated or adjusted in partnership with the operator.

But above all, suppliers should, together with the other stakeholders, help provide education on healthy gaming habits, thus improving the proactiveness, reducing the need for reactiveness of this type of measure.

iGX: What personal responsibility does the player hold to educate themselves on how to play responsibly and maintain their well-being while participating in gambling?

ML: Players have an active and crucial role to play: educating themselves about the risks, recognising warning signs, and using available risk management tools. However, it is important to understand that most players do not perceive themselves as “at risk”, especially those who are in an early stage of dysfunctional behaviour.

Still, I believe this is transversal to many other activities and aspects of life, e.g. it’s hard to conceive starting to invest in something without educating yourself properly on the matter/product, or when buying something, etc.

Therefore, personal responsibility should be encouraged but not imposed in a guilt-ridden way. Operators can aid by providing accessible and ongoing educational content, not only in the risk management section, but integrated throughout the player’s journey, or even create interactive and gamified tests for self-assessment. An interesting approach can be the highlight of real stories of recovery and psychological support.

At the end of the day, outside of some special cases, the player is responsible for their actions and should seek to get proper education and information on the activity that they’re doing. Nonetheless, operators should give easy access and ensure that relevant and easily understandable information is given to the players.

iGX: How can the different stakeholders involved in the debate work together more effectively to strengthen responsible gambling measures?

ML: The effectiveness of responsible gambling measures depends on true cross-sector collaboration, in which all stakeholders recognise that no one can solve the problem alone.

Examples of successful collaboration can include regulators that promote dynamic guidelines based on scientific evidence, rather than just legal enforcement. It can also be operators that share anonymised data with researchers and NGOs, helping to map risk patterns.

Technology providers that develop algorithms for the early detection of harmful behaviours, integrated with CRM and support, are another example. Public health entities that train customer support teams to recognise signs of addiction, how to handle them and guide players can be a good example. Lastly, industry associations that create common codes of conduct and voluntary certifications have been well accepted as well.

A good example to follow would be the creation of a national RG platform, with cross-data (anonymised) between operators, promoted by the regulator, and with the presence of academic and clinical partners.

iGX: What RG tools do you believe resonate with players, and what aspects of player data should operators focus on to deliver more effective RG tools on their platforms?

ML: The most effective tools are those that combine practicality and behavioural intervention, such as voluntary limits (time, loss, deposit) with the option of gradual adjustments, avoiding impulsive decisions.

Personalised alerts, such as messages tailored to individual behaviour (e.g. “you’ve played for three hours today, do you want to take a break?”) seem to be well accepted. Lastly, as a more strict measure, Self-exclusion with fixed or indefinite blocking, integrated with shared databases, thus affecting all the operators, seems to be effective, albeit harder to implement at scale.

In terms of data, operators should focus on Gaming rhythm and frequency (very long sessions or with short breaks), Aberrant bets( sudden spikes in volume or frequency), the number of failed deposit attempts and the behavior after a significant loss/win (e.g.: trying to recover quickly with higher bets).

With this data, risk scoring models can be applied that trigger automated interventions or manual reviews by RG teams.

iGX: Looking more closely at Portugal, 2025 marks ten years since online gambling was regulated. How has the country’s market developed in this time, and what is its future outlook?

ML: Since 2015, the Portuguese market has seen steady growth. Stable growth in the number of licensed operators and the diversity of products. Gradual growth and maturity of the market, both from the operators and the players. This maturity of the market was also visible with the “gentleman’s agreement” of the manual on good practices in terms of publicity that is now in force.

Investment in digitalisation and mobile-first, with estimates pointing to more than 80% of accesses coming from mobile devices, is another reflection on the shaping of this market through the years.

The future points to an increase in the diversity of products, albeit this could be greatly improved, as the process is still rather slow and bureaucratic. Greater use of emerging technologies, such as machine learning, for early risk detection and for some functions that were being done manually.

Also, the expectations of the players, in terms of ease of access to the products and especially to the speed (e.g. deposits and withdrawals), have to be met by the operators. Portugal has the potential to become a case study for sustainable regulation if it invests more in collaboration with international stakeholders and player-centric innovation.

iGX: What can Portugal learn from similar markets, both in terms of market growth and responsible gambling efforts?

ML: There are several lessons to be learned from other markets.

In terms of growth, a good starting point would be ending the different tax models (casino vs. sports betting), adopting a common revenue model (currently only applicable for casino games), and abandoning the current 8% on the amount of the bet in force now for sports bets.

The inclusion of new regulated products (as I pointed out before) has increased revenue without compromising control. Both of these can greatly increase the attractiveness of the legal market and reduce unlicensed supply.

In terms of responsible gambling, mandatory use of behaviour-based interventions (e.g. blocking deposits after risk signals), data integration and requirement of certified training for support teams.

Don’t simply ban casino/sportsbook advertising, like we’re seeing things pointing in Brazil, instead opt for restrictions in specific situations/scenarios (like it was already done in Portugal with the “manual on good practices in terms of publicity”). It’s not hard to make some parallels with other outright bans in history where only the illegal side benefited.

Public investment in educational campaigns and information platforms for citizens should be paramount and is a great example to take from other markets. Portugal can also invest in school prevention programs, media campaigns and mandatory training in responsible gambling for all industry employees — something that is currently lacking.

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UKGC puts frictionless financial checks at the heart of safer gambling strategy

The UKGC seems as confident as ever in how it has crafted one of the key measures of the UK Gambling Act review, emphasising that financial vulnerability checks are turning out to be as “straightforward as possible”.

Last week, Helen Rhodes, who is the Commission’s current Director of Major Policy Projects, gave a speech which set out a more refined, data-led vision for player safety, including an update on what has been learned from the pilot of financial checks.

In August last year, the UKGC began rolling out what it calls ‘light-touch’ vulnerability checks using publicly available data. These checks were a key measure of the Gambling Act review, seen as a means to protect customers against potentially unsustainable gambling spending.

Initially set at a threshold of £500 in net deposits over a 30-day rolling period, the limit was lowered to £150 from February 2025. These checks were designed to operate with what the UKGC described as “minimal friction”, something betting stakeholders have been adamant is an absolute necessity.

During stage one of the pilot, around 95% of financial vulnerability assessments were completed what the UKGC described as frictionlessly, which then rose to 97% in stage two. These figures exceed the 80% frictionless completion rate estimated in the 2023 Government White Paper.

Black market concerns
The news comes in the midst of industry demands to see greater consistency when it comes to financial risk checks. Concerns that these checks could turn more gamblers towards black market betting if not carried out in a frictionless and simple manner are long-running, dating back to the initial conversation around affordability during the 2020-2023 review of UK gambling regulation.

BGC CEO Grainne Hurst recently explained on SBC’s Safe Bet Show podcast that obstacles such as this wouldn’t see customers stop using the products they like, they’ll just decide to stop using the products they like in the regulated sphere, and they’ll go elsewhere to get those products.

She added: “In the black market, where there’s no regulation, they pay no tax, there’s no player protection whatsoever.”

Meanwhile, the UKGC has previously reiterated that finance risk checks’ should not be considered ‘affordability checks’.

In May, the Commission explained: “Financial risk assessments would be a much more targeted way of identifying potentially financially vulnerable customers. They would not affect a customer’s credit score if they were introduced in the future.”

A turning point?
What sets this new approach apart, Rhodes emphasised, is that it avoids blanket affordability checks. Rather than testing if every punter can afford their spending, the Commission’s model hones in on those who may already be financially at risk.

The goal is not to interfere with the vast majority of players who gamble safely, but to step in early where harm is most likely, the Director asserted.

In stage two of the recent pilot, around 3% of assessments could not be matched, improving on the 5% unmatched rate seen in stage one. Both percentages are significantly lower than the 20% rate without frictionless assessments predicted in the White Paper.

Having now moved into the analysis phase, the Financial Risk Assessments are designed to identify a specific group of customers: those who are not only spending large amounts, but also showing signs of worsening financial distress.

This can include red flags such as multiple arrears, defaults or evidence of bankruptcy.

Continuing her speech, Rhodes said: “The pilot findings represent a significant step forward, and our analysis phase will enable us to further explore how operators could embed assessments into their overall customer interaction approaches and how to reduce unnecessary inconsistency between credit reference agency reports.”

Looking ahead, the Commission is analysing how these financial checks can be embedded more smoothly into the customer journey.

Rhodes was keen to stress that the regulator remains open to industry feedback, mentioning that nearly 1,000 responses were submitted during the consultation.

By anchoring its reforms in financial vulnerability rather than broad affordability, the Commission is signalling a more balanced and targeted approach, making financial vulnerability checks no longer “an afterthought”.

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SBC Summit preview: Deal Me Out consultant Iris den Boer on the importance of retaining human input on RG

Ahead of SBC Summit and the Affiliate Leader Summit, Iris den Boer, Consultant at Deal Me Out, emphasised her belief that sustainable online gambling depends on the use of reliable and well-designed technology.

She provided insights into the key technological innovations that are advancing player protection efforts, but warned that while it is important that operators and regulators tap into the latest tech, it must still be paired with informed human judgement.

iGaming Expert: Why is it so crucial that operators tap into the latest tech when it comes to ensuring player safety?

Iris den Boer: Sustainable online gambling depends on the use of reliable and well-designed technology. With so much data available, modern tools like real-time behavioural analytics, machine learning, and biometrics can help us move from reacting to issues to identifying them early. These technologies allow for consistent, accurate, and scalable risk detection.

It’s important that operators and regulators work together, using research to understand valuable early indicators of risk, and ensure the systems in place are able to detect them effectively. Early intervention supports safer play and shows that the platform is taking its responsibility to customers seriously in a practical, visible way.

How vital can tech be in creating an overall picture of the player?

In an online environment, protecting players isn’t possible without data that shows their play pattern, how much time and money they spend and highlights early risk indicators. We depend on this information, and it’s vital to collect it carefully and use it responsibly. Having access to so much data about player behaviour is a big opportunity to improve protection, but it also comes with the challenge of focusing on what matters and interpreting it correctly.

To me, the most important insight comes from understanding how a player’s behaviour changes over time. Is their play steady and consistent, or are there sudden increases or erratic patterns that could signal a problem? Early warning signs and timely interventions are crucial, but real understanding comes from combining monitoring with open dialogue, matching what the player explains about their experience with what their behavioural data shows. It’s the casino’s responsibility to analyse this data in a way that supports protection that’s both effective and proportionate. After all, the goal is to use this information to help players in the best way possible.

What steps can be taken to balance human intervention and automation in the player protection journey?

Technology should support human judgment, not replace it. Responsible Gaming analysts could never detect issues at the same speed and scale as automated systems. With so many customers, we rely on data and automation to filter player issues across different risk categories. But naturally, it still takes human interpretation to perform a thorough risk analysis, with the empathy and understanding only people can provide. Systems can spot risks quickly, but it’s trained staff who make the real difference in deciding how to respond.

That means having clear processes, investing in proper training, and embedding ethics into the design and use of technology. Technology can flag when something might be wrong, but it’s human care that decides what happens next. Finding that balance is important; that is why skilled analysts are invaluable in this process, and a humanistic approach will always play a key part in player protection.

What are the key protection tech developments that have come out in recent times to shift the industry?

The progress we’ve seen recently around early detection and, importantly, early intervention, has been really good. We now have tools that spot risky behaviour much earlier than before. Advances like natural language processing help identify signs of distress in how people communicate with support teams. AI is making affordability checks smarter and less intrusive, while self-exclusion tools, like the successful Betblocker platform, are becoming more effective across multiple sites.

There’s also an innovative shift toward using mindfulness techniques and gamification, not to encourage more play, but to help people make safer choices, reflect, and decide consciously whether to keep playing or take a break. All these developments signal a positive, holistic move beyond simply ticking compliance boxes, embracing innovation that drives genuine responsibility and recognises that player protection is always evolving.

Are there steps that regulators should take to ensure they keep up with new tech available to operators to ensure that the best approach is found to player protection?

Regulators need to stay up to date with both technology and research to avoid holding back progress. This means having people who understand new tech, maintaining close connections with industry innovators, and creating rules that can adapt as things evolve. Regulatory sandboxes can provide a safe space to explore innovative tools and ideas.

Collaboration across regions can also reduce duplication and help set clearer standards. At the same time, it’s important to remember that factors like demographics, cultural attitudes toward gambling, and local market differences influence study outcomes on effectiveness in player protection. Even if a standard works well in one place, not every casino or market is the same, and each faces unique challenges that require tailored approaches. Ultimately, the effectiveness of technology and how it’s used depends on how well regulators understand their markets, customers, and casino games, and how they apply tech tools to best support player protection.

Are there any markets that you believe have gotten it right in terms of the framework around player protection and what are the key lessons to be learned from these frameworks?

Several jurisdictions have taken commendable steps. The UK, despite its challenges, has set a high bar for data-driven risk identification and affordability checks. Sweden’s Spelpaus system is a strong example of centralised self-exclusion. And some emerging markets, such as Ontario, are embedding safer gambling principles into their licensing frameworks from the outset, rather than as a retrofit. The key lessons are threefold: embed protection early, collaborate across sectors, and ensure that frameworks are adaptable. One-size-fits-all approaches are no longer fit for purpose in a rapidly evolving global industry.

How excited are you about the SBC Summit in Lisbon?

I’m excited about the SBC Summit in Lisbon. To me, SBC events are more than just a conference; they’re a chance to bring together the industry, to share ideas, question the status quo, and find real solutions. Lisbon feels like the perfect place for this, given its growing role in the tech and gaming world. I’m excited to be part of it once again. I’m looking forward to the conversations that will shape policy, build new partnerships, and, most importantly, help evolve player protection.

Why do you believe that it is so crucial the industry unites to talk around major subjects within the industry?

The key challenges are found within opportunities we can address on topics, such as player safety, data privacy, and sustainability, that are not confined by borders or competitive interests. Meaningful progress requires open dialogue and a shared sense of responsibility. It’s about moving beyond minimum compliance to collectively raising standards. When the industry aligns around the common goal of providing safe, fair, and responsible entertainment, it builds trust. This trust is essential for long-term success and credibility with players, regulators, and the wider public. Sustainable change is only possible through coordinated effort.

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Exclusive interview: SPA Chief defends Brazil Bets channelisation strategy amid black market chaos

Article written by Ana Maria Mendes & Elisa Marcante: SBC Noticias Brazil
Regis Dudena, the President of the Secretary of Prizes and Betting (SPA), believes that Brazil has achieved its initial regulatory objectives to launch and govern its nascent online gambling regime.

Interviewed by SBC Notícias Brazil, Dudena gave an account of leading the SPA as the governing authority of the Bets regime while under a glaring spotlight from political parties, federal authorities, operators, and media.

Launched on 1 January 2025, the Bets regime was birthed like no other gambling market — placed under immediate scrutiny over its economic and integrity policies, while its core framework remained unsettled in key areas such as advertising, taxation, and consumer protection.

Despite these uncertainties, Dudena and the SPA have pushed ahead, overseeing a market of 80 licensed operators servicing over 400 brands. He contends that the SPA has laid the groundwork for a more balanced and enforceable regime, helping Brazil transition from an unregulated environment into one of legal oversight and accountability.

Channelling Wagers
Among the more pointed assertions made by Dudena was a rebuttal of claims that Brazil’s black market for online gambling is growing. Far from expanding, he suggested, it is being eroded and steadily replaced by a regulated ecosystem that is gaining ground with Brazilian consumers.

“Today, far more people are entertaining themselves in a regulated environment with authorised and legal operators,” Dudena stated –“We’re observing a trend toward channelisation, not illegal market expansion.”

Despite grey market factors still lingering, Dudena urged observers to judge the system by its long-term trajectory, not by isolated incidents. Enforcement, he argued, must be understood as part of a broader structural shift to drive consumers to licensed operators, in which the SPA will be strengthened by new projects.

The reason why scepticism remains, is due to key regulatory settlements still to be determined. Yet SPA’s record to date suggests that the scaffolding of oversight is, at the very least, being built.

Regulating at Speed
Dudena believes that the SPA is regulating at speed, delivering on a relentless timeline. In less than a year, the agency published licensing protocols, approved market ordinances, mandated data reporting requirements, and launched a programme of operator engagement.

“People joked they didn’t expect us to succeed,” he noted. “But we planned, executed, and delivered on schedule.”

The most formidable challenge has been technical: processing the large volume of operator-reported data via SIGAP, the federal betting data system. Licensed operators must report daily on deposits, payouts, and losses. The backlog has delayed SPA’s first official performance report, but Dudena assured that “quarterly updates will begin shortly and follow a predictable publication cycle.”

R$3bn Vote of Confidence

Dudena’s interview with SBC Noticias Brazil was followed by Agência Brasil publishing the first economic report revealing the Bets regime’s early economic footprint. In the first five months of 2025, tax revenue from regulated betting operations reached R$3bn (approximately €520m) — up from R$7m over the same period in 2024.

May alone saw revenue surge from R$4m to over R$800m, a year-on-year increase of roughly 23,000%.

“The recent R$3 billion figure is irrefutable proof of the market’s economic relevance,” said Rafael Marchetti Marcondes, CLO of fantasy operator Rei do Pitaco told SBC Noticias Brazil.
“In a country seeking new fiscal resources, betting has become a key contributor to public policy funding.”

Single National System
The SPA is pushing ahead with plans to bring the country’s state-run lotteries under a single, centralised framework, as part of its wider effort to professionalise and enforce national compliance standards.

The project dubbed SINAPO (Sistema Nacional de Apostas) — aims to establish baseline requirements across federal and state levels, focusing on critical areas such as anti-money laundering protocols and responsible gambling protections.

To date, 16 states have joined the working group, with participating jurisdictions set to benefit from national regulatory infrastructure, including access to the “.bet.br” domain and Brazil’s forthcoming centralised self-exclusion system — both considered vital to SPA’s consumer protection agenda.

Priorities & Pitfalls
Looking ahead, SPA’s regulatory agenda for the second half of 2025 is dense with infrastructure development and policy refinement. Dudena confirmed that the agency will prioritise the launch of Brazil’s centralised self-exclusion system, regarded as a cornerstone of consumer protection and harm reduction.

Other top-line priorities include the finalisation of a national advertising code of conduct, the deployment of real-time transaction monitoring, and the release of the regime’s first and second quarterly market performance reports.

While SPA can claim early progress on several fronts, the regime’s greatest test may lie beyond its technical capabilities. Fiscal policy, controlled by the Ministry of Finance and Congress, threatens to reshape the economic foundation on which the regulated market rests.

The Senate’s Gamble
Attention now turns to Brazil’s National Congress, where a proposal is under consideration to raise the gross gaming revenue (GGR) tax from 12% to 18% on betting income. The measure is seen as an alternative to increasing the IOF financial transactions tax and forms part of broader fiscal reforms pursued by the Ministry of Finance.

Industry pushback by IBJR, has warned that combined tax pressures when including state (PIS/COFINS, ISS) and corporate income tax will push the effective burden beyond 50%, jeopardising the very channelisation SPA has sought to foster.

For now, Brazil’s Bets regime enjoys political momentum, fiscal backing, and regulatory momentum. Whether that remains the case will depend not only on how the SPA evolves its framework—but on whether policymakers resist the temptation to overplay their fiscal hand.

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