Report
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
Results
The net spends at each gambling operator over the previous 2, 31, 91 and 366 days were calculated for each gambler in the data, on each day on which they had a gambling transaction. This was compared with the proposed thresholds to identify every individual who would have triggered either a financial risk assessment or a vulnerability check had the proposed policies been in place.
These calculations were repeated for net spend across all gambling businesses, to see how many additional individuals would have been captured by either a vulnerability check or a financial risk check if their total gambling spend was considered. The number of unique individuals exceeding the thresholds was compared for the 2 sets of calculations.
We also considered the number of unique individuals identified as exceeding either of the financial risk check thresholds and the additional coverage provided by adding the other, as well as the equivalent calculation for the vulnerability check thresholds.
The results of these calculations are presented in the following table:
Number of individuals exceeding the financial risk check thresholds
| Threshold evaluated and the impact of threshold being omitted | Number of unique individuals exceeding net spend threshold at any single operator | Number of unique individuals exceeding across all gambling transactions | Difference (percentage) |
|---|---|---|---|
| Risk assessment: £1000 in 24 hours | 93 | 98 | 5% |
| Risk assessment: £2000 in 90 days | 95 | 114 | 20% |
| Either or both risk assessment thresholds | 120 | 135 | 13% |
| Reduction in number of unique individuals captured if £1000 threshold was omitted (percentage) | 21% | 16% | N/A |
| Reduction in number of unique individuals captured if £2000 threshold was omitted (percentage) | 23% | 27% | N/A |
| Vulnerability check: £125 in 30 days | 539 | 554 | 3% |
| Vulnerability check: £500 in 365 days | 342 | 350 | 2% |
| Either or both vulnerability check thresholds | 543 | 559 | 3% |
| Reduction in number of unique individuals captured if £125 threshold was omitted (percentage) | 37% | 37% | N/A |
| Reduction in number of unique individuals captured if £500 threshold was omitted (percentage) | 1% | 1% | N/A |
Data and model - Open banking data modelling of gambling spend thresholds Next section
Discussion - Open banking data modelling of gambling spend thresholds
Last updated: 1 May 2024
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