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Open banking data modelling of gambling spend thresholds

This report sets out the results of an analysis of a sample of open banking data for the modelling of gambling spend thresholds

  1. Contents
  2. Introduction


In July 2023, the Gambling Commission opened a consultation (opens in new tab) connected to the Gambling Act Review, which closed in October 2023. One aspect of this was a set of questions about new obligations on operators to conduct checks to understand if a customer’s gambling is likely to be harmful in the context of their financial circumstances, in the form of financial vulnerability checks and financial risk assessments.

It was proposed that these would be conducted at certain net loss thresholds. The proposed thresholds for vulnerability checks were £125 in a rolling 30-day period, and £500 in a rolling 365-day period. The proposed thresholds for financial risk assessments were £1000 in a rolling 24-hour period, and £2000 in a rolling 90-day period.

This technical report describes data modelling of these thresholds, as well as describing analyses with the 30-day threshold of £150, conducted with open banking transaction data. The results of this modelling forms part of the evidence base for the consultation response.

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Summary - Open banking data modelling of gambling spend thresholds
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Data and model - Open banking data modelling of gambling spend thresholds
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