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Best online casino

Online casino ratings by winning chance

Casino
Rating
Players
Winners
Casino Income
Winning Chance
Payments for the last 24 hours
17 300
14 130
$ 106 080
81.9%
$480 420
20 500
17 560
$ 64 680
85.65%
$386 320
1 200
1 020
$ -24 750
87.46%
$65 700
6 700
4 630
$ 91 350
69.48%
$208 350
800
540
$ 9 450
66.74%
$18 900
12 100
10 210
$ 32 130
84.4%
$173 570
2 300
1 770
$ 16 960
76.95%
$56 640
1 100
960
$ 3 920
86.96%
$26 880
6 000
5 310
$ 24 150
88.56%
$185 850
4 700
3 910
$ 32 088
83.59%
$164 220
1 200
870
$ 13 026
72.3%
$33 930
1 700
1 300
$ 15 480
78.35%
$55 900
2 500
1 730
$ 24 123
70.29%
$57 090
1 300
940
$ 9 125
72.06%
$23 500
1 300
900
$ 8 798
70.37%
$20 700
2 000
1 450
$ 11 445
72.78%
$30 450
800
570
$ 4 830
72.7%
$13 110
1 100
800
$ 8 400
72.8%
$22 400
1 200
850
$ 16 638
70.4%
$39 950
1 300
900
$ 7 907
70.3%
$18 900
700
540
$ 4 140
74.85%
$12 420
6 200
5 280
$ 37 479
85.76%
$227 040
1 000
760
$ 6 604
75%
$19 760
1 300
1 030
$ 10 730
78.26%
$38 110
800
650
$ 9 120
76.87%
$31 200
1 000
700
$ 14 053
70.55%
$32 900
900
690
$ 6 000
74.59%
$17 250
2 300
1 690
$ 23 076
72.7%
$60 840
6 900
5 830
$ 31 350
84.76%
$174 900
9 600
8 380
$ 33 320
87.57%
$234 640
Last Update 25.09.2018

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The UK Government is cracking down on problem gambling - but is it striking the right balance to ensure the continued growth of the industry? Who will be the winners and who will be the losers?

In its recent response to the consultation on proposals for gaming machines and social responsibility, the maximum stake on fixed-odds betting terminals (FOBTs) was slashed from £100 to just £2.

Minister for Sport & Civil Society, Tracey Crouch, clearly stressed the government's support for "a healthy gambling industry that generates employment and investment" - but, as her introduction to the proposals quickly made clear, FOBTs were an exception.

"B2 gaming machines (more commonly known as Fixed-Odds Betting Terminals (FOBTs)) are an outlier in the world of high- street gambling because of the speed with which it is possible to lose large amounts of money," she wrote.

The Government noted that 13.6% of players in betting shops were problem gamblers, the highest rate for any form of gambling, and that over 170,000 sessions on B2 roulette ended with losses between £1,000 and £5,000. Many of the players also lived in deprived areas.

"Local authorities, charities, faith groups, Parliamentarians, interest groups and academics all submitted opinions in favour of a £2 limit," Crouch said.

Whether the £2 limit will reduce problem gambling, or whether the players being targeted by this move will simply turn their attention to other gambling products, remains to be seen. What is certain is that it will hit betting shops hard, squeezing revenues at a time when they also face increasing regulatory requirements and compliance costs.

More To Come

While the £2 limit garnered the headlines, it is not the only significant change announced in the Government's paper.

The Government cites the response from the Association of British Bookmakers (ABB) to the consultation, which included a number of measures to tackle problem gambling: hard stops when voluntary time and spend limits are met; card blocking as a supplementary tool to the self-exclusion scheme; and expanding a treatment pilot supported by the ABB, aimed at areas of high economic deprivation.

The Government rejected the ABB's central call for less restrictive limit on FOBT stakes (they suggested £25), but endorsed the social responsibility measures: "We very much welcome these proposals and encourage the ABB and operators to work with the [Gambling] Commission and the RGSB on how to take these forward." It therefore seems that the Government expects industry to implement the ABB's additional proposals even after the £2 limit is introduced.

The Government has also taken a similar approach to the Gambling Commission's advice on gaming machines, published in March. The Government adopted the lowest figure proposed by the Commission (from a range between £2 and £30). In addition, it endorsed the Commission's view that a stake reduction alone would not go far enough to address the risks, and supported a number of the Commission's other proposals. These include banning the facility for machines to allow different categories of games to be played in a single session, and working with industry to make pre-commitment tools more effective-for example, by automatically terminating sessions when consumers reach time or money limits. As a result, it seems likely that retail premises will need to implement tracked play and pre­commitment tools, no doubt at considerable expense.

Caught In The Web

The Government also wants to see greater efforts from the online industry to tackle problem gambling. It calls for "rapid improvements" to player protections and a range of harm prevention measures; it also advocates greater use of technology and algorithms to spot harmful behaviours and patterns of play, to allow operators to intervene.

"If operators fail to demonstrate sufficient progress then the Government and the Commission has powers to introduce additional controls or restrictions on the online sector," it warns ominously.

The Government's paper also builds on and endorses the Commission's proposals for online gambling, also published in March.

In particular, it notes four areas where the Commission is to bring forward proposals:

  • Age verification: a proposal to remove the current 72-hour period for operators to carry out age verification, and replace it with a system for verification before permission is granted to deposit funds in customer accounts or access free-to-play games;
  • Customer identification: requirements for more information about customers at an earlier stage, and proposals for mandatory limits on spending that can only be increased once an operator has verified certain customer information, "for example via an affordability check";
  • Unfair terms and conditions: the Commission proposes to test how remote operators are ensuring promotions are clear and fair to consumers;
  • Ineffective customer interaction: steps to strengthen requirements on online operators to interact with consumers at risk from problem gambling and, again, more effective use of data to identify potential indicators of harm.

 The paper also notes that the Commission is working on a number of other areas: the effectiveness of the current consumer protections; game and product characteristics; protection of customers' funds and dormant accounts; withdrawal of funds; and gambling on credit. The latter will inevitably have a significant impact if deposits using credit cards are banned.

As with FOBTs, the Government response is far from the last word when it comes to online gambling. Indeed, it is just one voice in an escalating debate in which a wide range of stakeholders wish to be heard.

Other Areas

Three further areas covered by the Government paper are worth noting briefly. The first is proposed changes to advertising, with the Industry Group for Responsible Gambling due to amend its codes to ensure that a responsible gambling message appears for the duration of all TV adverts.

The Government also argues that research, education and treatment for addiction are so important that if sustainable funding targets cannot be guaranteed, there is a strong case for a statutory levy (GambleAware is currently funded by the industry on a voluntary basis). This would effectively amount to another tax on the industry.

Finally, there is a continuous focus on protection of young people throughout the paper, particularly in relation to advertising and research. The paper notes that the Committees of Advertising Practice will publish further guidance this year; it also notes that research on the effects of marketing and advertising on children, young people and vulnerable groups has been commissioned by GambleAware.

It is clear that these areas will all remain under close scrutiny.

Go With The Flow

Some of these changes will undoubtedly be painful for both retail and online businesses. There have already been significant objections raised by many within the industry. However, the Government and the Gambling Commission are committed to raising the bar when it comes to problem gambling and consumer protection. With increased focus on anti-money laundering also, the pressure on all gambling operators will only increase. This inevitably means more investment, rising compliance costs and challenged margins. The alternative is the risk of increased and more aggressive enforcement, bigger fines and heavier sanctions. For repeat offenders and the most serious failings, licence reviews will be the default position and an increased focus on individual PML holders is likely.

Operators have little option but to try and make the best of things. In the meantime, board-level buy in will be a prerequisite to putting in place the controls required, and making available the resources for the necessary investment in personnel, training and technology. The last of these will be particularly important.

Operators should ensure that they have IT personnel and systems with sufficient expertise and functionality (especially relating to data management and analytics) to meet growing regulatory expectations and increased competition.

There is, of course, an advantage to moving early. Individuals with the technical skills required are in short supply, and demand for them will only grow as time goes on. The demand for highly qualified compliance personnel will also increase. Investing in the right kind of systems and controls will pay dividends.

Operators should not be cowed by recent events and concerns about a tougher regulatory environment. The key is to work smarter to minimise risk, attract the right kind of customer and turn a decent profit. This means using resources more effectively, better horizon scanning- and keeping the regulators off their back.

In the longer term, comfort will be found. First, the developing regulatory environment is likely to make life increasingly tough for unscrupulous competitors who are likely to be marginalised or driven out. Second, as enhanced compliance systems and cultures become imbedded, the relative cost and disruption will level out. Third, those operators who establish and brand themselves as leaders will inevitably gain competitive advantage and attract new business and investment. Finally-for those with ambitions further afield - the advent of sports betting in the US will open up very significant new opportunities and not a dollar of investment in compliance will have been wasted.

Whichever way the current challenges are viewed, the stakes are high - but the rewards are there for those who are in it for the long game.