In certain markets, however, the online gambling sector has proven more popular than others. The recent success of the online gambling industry is certainly good news for betting firms, but it has raised some difficult questions for regulators.

A good hand The huge uptick in the popularity of online gambling in Spain relates to wider trends. The proliferation of smartphones and mobile gaming means individuals have become more accustomed to the idea of gambling remotely. From here, it takes just a few clicks to reach a betting website — perhaps a pop-up advert will take you straight there.

As the popularity of online gambling increases, issues around player protection come to the fore. Spain is in the perfect zone right now.

In , Spanish regulators cut taxes on gross gaming revenue from 25 percent to 20 percent, providing fresh impetus to an industry already on the up. The policy change is one that legislators had been keen to implement for some time, but sluggish economic growth earlier in the decade and public sector cuts elsewhere meant it was politically unfeasible.

Economic expansion of 3. The change has been gleefully accepted by betting firms in the country, who have capitalised on existing demand to build their brands and improve their services.

Suertia , which received its online gaming licence in , has attracted players by offering a wide variety of games, including 10, live events every month, focusing on enhanced usability and new graphics. Non-traditional players have also entered the betting market.

Spanish sports news outlet Marca has launched its own online bookmaker, Marca Apuestas , in an attempt to benefit from this growing industry. Playing by the rules The rapid growth of online gambling in Spain has led to increased calls to regulate the sector. Reforms are likely to focus on advertising restrictions and tackling the damaging social effects of gambling addiction.

Harm minimisation and how the industry deals with responsible gambling is the single biggest issue across the sector at present. Spain is no different, and the problem has now landed on the desks of the politicians and the regulator.

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Ader cited the example of BetBuddy , a responsible-gambling analytics platform, which combines data mining, machine learning and the latest research in gambling behaviour patterns to identify and engage with at-risk players. Technology like this could prove more effective than passing robust legislation that, as the EGBA touched upon, could prove counterproductive.

A risky proposition Spanish politicians face a difficult decision over whether to stick or twist. The gambling sector is thriving, posting record revenue. For a country that faced significant economic damage in the aftermath of the global financial crisis, there is a temptation not to meddle with an industry that is doing so well.

It will be interesting to watch how the government tackles this difficult balancing act. Moreover, markets like Spain must ensure that the support is available when an individual does become a problem gambler.

The industry and gamblers alike should welcome this development. By formally identifying people who compulsively gamble, regulators and other public bodies can address issues facing individuals and society at large. At the same time, the many people who gamble responsibly can continue to enjoy watching, playing and betting on their favourite games.

That would be a win-win for all concerned. The huge uptick in the popularity of online gambling in Spain is in part due to the proliferation of smartphones and mobile gaming.

This has made individuals more accustomed to the idea of gambling remotely. We expect all operators to take steps to offer appropriate redress to customers where needed and if the ombudsman does not attract sufficient cooperation or deliver the protections as we expect, we will legislate to put its position beyond doubt.

Safeguarding children from gambling-related harm is a priority. Self-reported gambling participation by 11 to year-olds has fallen substantially over the last decade and most forms of gambling are already illegal for under 18s, but we will continue to strengthen protections.

Although we recently raised the age limit for the National Lottery to 18, other lottery and football pools products are still legally permitted from age We welcome that most providers already voluntarily prevent play by 16 and year-olds, and that participation is therefore minimal.

We nonetheless challenge other providers to adopt this precautionary measure, so that there is no online or widely and easily accessible gambling for under 18s. When Parliamentary time allows, we will legislate to ensure consistency with the National Lottery and compliance across the sector.

We will also give legislative backing to the current voluntary measures preventing the use of Category D cash out slot machines by under 18s. This will create a clear distinction between gambling products for adults and lower risk products accessible to children such as crane grabbers or coin pushers which have non-cash prizes or are entirely unlike an adult gambling product.

There are strict and well-observed rules for age verification online and in many land-based venues. However, there are still too many instances of insufficient age verification in some venues, particularly those such as pubs, which can offer adult-only gaming machines but are not adult-only venues like many gambling premises.

The Commission will also remove the exemption from test purchasing requirements for the smallest venues, ensuring all licensed venues are held to the same standards.

While most age-restricted products including gambling are permitted from age 18 in this country, there is evidence that young adults such as those age 18 to 24 may be particularly susceptible to gambling-related harm.

This is due to a combination of common life stage factors including continuing brain development impacting impulsivity control, changing support networks, and common financial circumstances such as managing money for the first time. Protections for this group will be increased, for instance through earlier interventions to assess financial risks, and structural controls such as a lower stake limit for online slots games.

Operators will also be obliged to give specific consideration to age as a factor when considering potential customer vulnerabilities. The Commission will shortly release a statement on vulnerabilities to set out its expectations in line with its guidance on remote customer interaction.

The Act sets out a range of restrictions for land-based gambling based on the assumption that restrictions on supply for example casino numbers and gaming machine availability are an important protection. However, in the light of the availability of remote gambling, the characteristics of a product and quality of monitoring have now assumed greater importance.

The Act created new types of casino licence. Following progress by the sector to strengthen player protections, we will now take further steps to extend this regime. Where casinos whose licence originates in the Gaming Act meet the requirements of a Act Small casino, including for size and non-gambling space, they will be eligible for the same gaming machine allowance and we will align fees and mandatory premises licence conditions as appropriate.

A single machine to table ratio of will apply to Large and Small Act casinos and these larger Act casinos and they will be entitled to the same maximum 80 machine allowance. We will allow smaller casinos to benefit from more machines on a pro rata basis commensurate with their size and non-gambling space, subject to the same table to machine ratios and other conditions.

We will also permit casinos of all sizes to offer sports betting in addition to other gambling activities and will take steps to reallocate unused Act casino licences to other local authorities. We recognise the internationally competitive market in which the small number of high-end casinos operate and the challenges the sector faces.

To support their contribution to inward tourism, and as international cheques disappear as a product, we will legislate when Parliamentary time allows so that these casinos, and others which cater to the same customer group, will be able to offer credit to international visitors who have undergone stringent checks to be set out by the Gambling Commission.

A key concern for some of the land-based sectors is the ban on direct use of debit cards on gaming machines and we recognise that substantial changes are happening to how payments in society are being made.

Therefore, we will work with the Gambling Commission to develop specific consultation options for cashless payments, including the player protections that would be required before we remove the prohibition.

The Gambling Commission will undertake a review of gaming machine technical standards, to include the role of session limits across Category B and C machines. We will also look at the legislative options and conditions under which licensed bingo premises might be permitted to offer side bets.

We support allowing specific proposals for new machine games to be tested within planned industry pilots under certain conditions, with the close involvement of the Gambling Commission.

We also support allowing trials of linked gaming machines, where prizes could accrue across a community of machines, in venues other than casinos where they are already permitted. This is subject to further work to assess the conditions and how to limit gambling harm, and subject to Parliamentary time to legislate.

Licensing authorities have an important regulatory role alongside the Gambling Commission in licensing local premises.

Empowering local leaders to take decisions in their area is a priority for this government and we support them in the use of the broad powers which the planning and gambling regulation frameworks give them to set licence conditions and consider applications.

To increase their confidence in using these powers, we will align the regimes for alcohol and gambling licensing by introducing cumulative impact assessments when Parliamentary time allows and will consult on increasing the maximum fees they can charge for premises licences and permits.

Measures in this white paper are designed to increase existing protections against gambling-related harm in a proportionate and targeted way. We have high confidence that the proposals address practices and products which can cause or exacerbate the risks of harm, but due to the complexity of gambling harms we cannot precisely project the reduction in gambling-related harm we expect to see at this stage.

Any reduction in such harms is likely to reduce the associated societal and government costs. It is likely that the proposals will come with costs to the gambling industry, both in terms of upfront delivery cost but also in reduced revenue compared to current levels.

Our expectation is that much of this will be foregone revenue from customers who were being harmed by their gambling, but this will be considered further through impact assessments alongside future consultations on policy. Further detail on our initial estimates of the likely or possible impacts of the package, including on sectors related to gambling such as horse racing, is at Annex A.

The government recognises the significant contribution that horse racing makes to British sporting culture and its particular importance to the British rural economy, and is keen to ensure that measures such as financial risk checks do not adversely affect the sector. We have therefore commenced the review of the horserace betting levy which we are required to undertake by and will take account of the changes set out in this document to ensure the levy delivers an appropriate level of funding for the sector.

This white paper sets out a series of changes, and we will work with the Gambling Commission and others to implement them as soon as possible, consulting appropriately where necessary or desirable.

The table below summarises the most significant proposals, how they will be delivered, and next steps. Our intention is that the main measures in the white paper will be in force by summer In December , the government launched the Review of the Gambling Act with the publication of the Terms of Reference and Call for Evidence.

The Review was set up to ensure our gambling laws are fit for the digital age and is the broadest examination of the regulatory framework for gambling since the Gambling Act. The white paper is structured around the six main themes in the call for evidence, followed by annexes on the estimated overall impact of our proposals and a summary of the submissions received to the call for evidence.

It does not cover the UK wide National Lottery which was set up by separate legislation. The Gambling Act came fully into force in and covers all types of in-person and remote commercial gambling, including gambling online. The Act initially covered gambling offered in premises based in Great Britain and also remote gambling offered by GB-based operators.

It was subsequently amended in to extend to operators based anywhere in the world who are offering remote gambling to customers based in Great Britain. The Act has been described as enabling legislation as it empowered the new regulator to respond to emerging challenges by setting new licence conditions, whether for individual operators, sub-sectors or across the industry.

It also gives the Secretary of State the power to update specific provisions such as the maximum stakes and prizes for gaming machines and to set licence conditions via secondary legislation.

The Gambling Commission has used its power to update Licence Conditions and Codes of Practice LCCPs to deliver a number of key reforms.

These have most recently included changes to the social responsibility code such as new requirements on age and identity verification, tighter rules on VIP schemes, the ban on credit cards for nearly all types of gambling, the ban on reverse withdrawals, new rules for online slot games, and tighter requirements on remote customer interaction.

Gaming machine stake and prize limits are set out in secondary legislation and have been changed a number of times by the Secretary of State since the Act. For instance, the review of gaming machines and social responsibility measures led to, among other measures, a cut in the maximum stake for B2 machines in betting shops from £ to £2 in In addition to the licence conditions and legislation governing how facilities to gamble are offered, all gambling advertising must comply with the UK Advertising Codes which are set by the Committees of Advertising Practice and enforced by the Advertising Standards Authority ASA.

These have also been updated a number of times since , with guidance also tightened where needed to mitigate particular risks e. banning content with strong appeal to children from October The Act also created a partnership between the Gambling Commission and licensing authorities Local Authorities in England, Wales and Scotland for the regulation of land-based gambling.

While the Commission licences operators and individuals, local authorities and licensing boards in Scotland licence premises and have the power to place conditions on licences as well as to grant or refuse them. Each nation in Great Britain conducts its own annual Health Survey to gather authoritative data on physical and mental health, and these periodically include gambling questions.

In addition, the Gambling Commission collects regular data on the extent and impact of gambling in Great Britain.

As well as commissioning analyses of Health Survey data and a wider programme of research, the Commission conducts a quarterly telephone survey on participation and prevalence to track trends, but this is less robust than the full Health Surveys. The coverage of these surveys is not perfect and there are gaps in the evidence and our understanding.

However, Public Health England PHE compiled, assessed and reviewed evidence on gambling participation and harm as part of the Gambling-related harms evidence review which was initially published in September , then revised in January by the Office for Health Improvement and Disparities.

Overall, gambling is a popular activity in Great Britain. Excluding National Lottery only play, participation trends are broadly flat with some signs of a decline since Figure 1 presents the best available data on long-term trends in gambling participation.

Survey methodology varies over time - see labels below. HSE is for England only. Sources: NatCen, British Gambling Prevalence Survey ; Gambling Behaviour in Great Britain in : NHS Digital, Health Survey for England — Supplementary Analysis for Gambling, The National Lottery has had a broad customer base since its launch in and remains the most popular gambling product see Figure 2 below.

It is regulated under a separate framework from commercial gambling, the National Lottery etc. Act , and is not subject to this Review. Since its launch in , the National Lottery has raised over £47 billion for good causes and its games are associated with among the lowest levels of problem gambling prevalence of any product.

Source: Gambling Commission statistics on participation and problem gambling for the year to December When all forms of gambling are considered together, participation is higher among men Overall, the PHE evidence review found that the highest rates of gambling participation are reported among people who have higher academic qualifications, are employed, are relatively less deprived, and who reported better general psychological health and high life satisfaction.

However, as outlined below, more deprived communities have higher rates of people experiencing problem gambling. The very nature of gambling involves risk and potential losses.

It is clear that gambling-related harms can ruin lives, wreck families, and damage communities, with issues including mental health and relationship problems, debts that cannot be repaid, crime, or even suicide in extreme cases.

Gambling harm is often a result of the interplay between individual susceptibility, environmental factors, the products themselves and operator actions. However, as the PHE evidence review found, gambling and the associated harms are less well understood and researched than some other addictions such as alcohol misuse, and much of the available evidence is limited or varying in quality.

Firstly, the best available evidence suggests that the large majority of people who gamble suffer no ill effects. Most gamblers report having never experienced any of the 9 indicators of harm in the Problem Gambling Severity Index PGSI screen as measured in the questions below:.

have people criticised your betting or told you that you had a gambling problem, regardless of whether or not you thought it was true? However, a small proportion do suffer significant harm as a result of gambling, and the PHE evidence review included a detailed quantitative analysis on this issue.

Sources: NatCen, British Gambling Prevalence Survey ; Gambling Behaviour in Great Britain in , NHS Digital, Health Survey for England — Supplementary Analysis for Gambling, However, this is based on smaller sample sizes than the data in Figure 3 and on the PGSI mini screen rather than all 9 questions above.

Figures may also have been impacted by the recent fall in gambling participation or other behaviour changes linked to the coronavirus COVID pandemic, including the unavailability of some gambling activities. In a recent pilot for a new approach to collecting data on population problem gambling rates , the Commission found the sample surveyed had a higher problem gambling prevalence rate of 1.

There is significant detail underneath this population problem gambling rate which the PHE review considered. In particular, it found men were more likely to be experiencing problem gambling than women and that 16 to year-olds had the highest average PGSI score of any age group. There are also significant variations in the rates of problem gambling associated with each product, but consistent evidence that gambling online and the use of multiple gambling products are associated with higher PGSI scores.

However, there are limitations to all of these sources including incomplete coverage and lack of detailed information.

Harmful gambling is strongly correlated with and likely to exacerbate existing health disparities. There is a higher prevalence of problem gambling among people with poor health, low life satisfaction and wellbeing scores, and the problem gambling rate is higher among more deprived groups than less deprived groups.

It is also important to recognise that problems with gambling can be one of a number of harms individuals suffer simultaneously; for instance while gambling addiction can impact mental health and wellbeing, poor mental health and heavy alcohol use are commonly suffered alongside gambling harms.

Due to a lack of longitudinal evidence the PHE report did not establish causal relationships with these other health harms, or in the case of mental health issues, found that relationships appeared to go in both directions.

This includes approximately 1. Alongside the harm to the individual, gambling-related harms can have negative impacts on other people and wider communities. There are also benefits to gambling which should be weighed in decision making, although they do not negate the need to prevent gambling-related harm.

While the risks vary by product and other factors, gambling participation is generally not in itself harmful and may even be positive. Gambling can be sociable, can help tackle loneliness and isolation, can enhance the enjoyment of other activities, and can be a valuable pastime in its own right, although quantifying these benefits is inherently difficult.

There are also economic benefits to having a well regulated industry to service this demand. The sector pays approximately £2 billion per year to the government in duties excluding Lottery Duty , accounted for £5.

While many gambling companies do operate overseas hubs, the jobs in this country are geographically dispersed, with hubs of high skill work in areas like Stoke-on-Trent and Leeds.

The gambling sector also contributes significantly to other industries, including sport, advertising and racing. Horse racing in particular has a mutually beneficial relationship with betting, and the levy paid by bookmakers on their racing derived revenue contributes around £ million a year to support the sport.

Gambling can also contribute to tourism, for instance to seaside towns across the country, or high-end casinos attracting wealthy overseas visitors who spend across a number of other sectors while in this country. Additionally, some gambling products enable charities and other non-commercial organisations such as sports clubs to raise valuable funds.

The evidence suggests that particular elements and products of online gambling are associated with an elevated risk of harm. This chapter proposes a range of targeted interventions:. This will target three key risks identified by the Gambling Commission in its casework: binge gambling, significant unaffordable losses over time and financially vulnerable customers.

In general, this government agrees with the principle that people should be free to spend their money how they see fit, so we propose a targeted system of financial risk checks that is proportionate to the risk of harm occurring.

Assessments should start with unintrusive checks at moderate levels of spend we propose £ net loss within a month or £ within a year , and if necessary escalate to checks which are more detailed but still frictionless at higher loss levels where the risks are greater we propose £1, loss within a day or £2, within 90 days.

We also propose that the triggers for enhanced checks should be lower for those aged 18 to Once a suitably effective and secure platform is in place, the Gambling Commission will consult on making data sharing on high risk customers mandatory for all remote operators.

Individual operators can take steps to prevent harm on their own platform, but people suffering gambling harms often hold multiple accounts. While account verification is on the whole effective, there are difficulties in matching payment details to the account holder.

This creates compliance risks and potential harms for those experiencing problem gambling and affected others. With new technologies and payment regulations now in place, the Commission will work with others to consider what more can be done to reduce this risk.

The Gambling Commission will review and consult on updating design rules for online products, building on its recent work on online slots to consider features like speed of play which can exacerbate intensity and risk. Products which are safer by design will help prevent harm at source and reduce the reliance on reactive harm detection systems.

We propose to introduce a maximum stake limit for online slots games of between £2 and £15, subject to consultation. We will also consult on measures to give greater protections for 18 to year-olds who the evidence suggests may be a particularly vulnerable cohort.

This will include options of a £2 limit per stake; a £4 limit per stake; or an approach based on individual risk. Tools like deposit limits can help people gamble within their means, but may be underused and not widely optimised for harm prevention.

Informed by insights from behavioural science, the Gambling Commission will explore making these tools mandatory for players to use or opt-out rather than opt-in, as well as other changes to reduce friction and help people gamble safely before any problems arise. While GAMSTOP is the principal means of online self-exclusion, we welcome that banks and payment providers offer opt-in gambling transaction blocks.

The gambling industry should work with financial service firms to enable the blocks to be extended to other payment methods like bank transfers. Online operators use data to identify and restrict accounts in response to suspected fraudulent activity and for commercial reasons for example customers betting too successfully.

It is important that customers are made aware of the circumstances in which such restrictions may be applied and provided with explanations where it does occur.

Operators sometimes put artificial behavioural barriers in the way of consumers doing what they want. Activities such as withdrawing winnings, closing accounts and accessing important information should be made as frictionless as possible.

Behavioural barriers and friction should only be used to keep customers safe rather than impede them from taking decisions. While the risks are not fundamental to such arrangements and licensees are rightly held to account, there have been examples of non-compliance associated with these arrangements.

The Gambling Commission will consolidate and reinforce expectations for operators on contracting with third parties, including white labels. Prize draws and competitions have been able to grow significantly and advertise widely in the digital age. These competitions, unlike lotteries, are not regulated.

This is because they offer a free entry route for instance via ordinary post or have a skill-based element. We propose to explore the potential for regulating the largest competitions of this type to introduce appropriate controls around player protection and, where applicable, returns to good causes, and to improve transparency.

The online gambling landscape now is very different to the one which existed in Online gambling overtook land-based gambling by GGY — the total value of funds staked minus any winnings or prizes paid out — in September and continues to grow. In the year to December , This has largely been driven by a channel shift from land-based gambling, where participation has fallen from While the lasting impacts of the COVID pandemic remain to be seen, it seems likely that the shift towards online participation, as we have seen in many other sectors, will continue.

Perhaps more significant change has occurred underneath this wider channel shift, as new technologies have also reshaped where, when and how people gamble online. Online gamblers can now gamble at any time and in any location they choose, and while online gambling from home remains the most popular choice, in 1 in 5 had done so outside the home.

Technological change has also enabled innovation in both the betting and gaming product offer. For betting, this has predominantly entailed increased betting opportunities. Online gaming products too have changed as the sector has matured, with rapid, stimulating and intense random number generator powered games like online slots becoming increasingly popular and making up a larger portion of operator profits over time.

Further change is inevitable. According to the Health Survey for England , excluding National Lottery draws, 4. These trends have also been identified in evidence highlighted by PHE. Some academics, treatment providers and groups with personal experience have also argued the environment of online gambling and certain structural characteristics of online products are inherently risky for all customers, and particularly for those who are otherwise vulnerable.

We also received evidence from charities that people facing challenges like social isolation or cognitive dysfunction such as following a brain injury could be particularly attracted to remote gambling opportunities and fail to understand or properly assess the risks.

However, the online environment also provides many opportunities to make sure people are gambling safely. Equally, customers can be easily empowered with a range of tools like financial limits which are inherently harder to implement offline.

Our vision for remote gambling is that the risks are mitigated, and that we maximise the use of technology and data to protect people in a targeted way at all stages of the customer journey. The proposals outlined will deliver:. This section takes stock of the existing protections in place for online gamblers to contextualise the proposals outlined later in this chapter.

Online gambling is a fully regulated sector, and the rules governing it are largely set out in licence conditions or technical standards on remote operators rather than in statute. This enables the requirements to be more detailed and to be amended more quickly over time to respond to technological change or new risks to consumers.

While the use of these tools by customers is voluntary and operators are afforded a degree of discretion around how they are designed, there are requirements attached to certain tools.

For example, the option to set a deposit limit must be available to all customers from when they first open an account or deposit funds, and increasing a deposit limit must take at least 24 hours to come into effect.

While most gambling management tools are provided to help customers gamble safely, all operators must also offer self-exclusion facilities to help those who wish to stop gambling altogether. In March , it became mandatory for licensed operators to sign up to GAMSTOP, the multi-operator self-exclusion scheme.

Other sectors and non-profit organisations can also help consumers manage their gambling. Similar tools are increasingly available from other payment providers like PayPal.

Services such as Gamban and BetBlocker also allow consumers to block access to gambling apps and websites on internet devices. When used in conjunction with self-exclusion, payment and website blocks can add a further layer of protection for people recovering from gambling harm.

However, while these tools are helpful for many online gamblers, they are not enough to fully mitigate the risks, so there are also a range of obligations on operators to identify and prevent gambling-related harm.

Where needed, the actions taken must include encouraging or requiring a player to set limits, actively signposting to support services, suspending marketing in cases where there are strong indicators of harm, and unilaterally suspending or closing accounts.

Source: Gambling Commission, Remote Customer Interaction Guidance. In addition, the regulator also sets the Remote Technical Standards which outline the security and technical standards for remote gambling operations. As well as specifying how certain account level protections should function, these include specific rules for online gambling product design, aimed at making sure games operate in a socially responsible manner and do not encourage potentially harmful gambling activity.

In February , the Gambling Commission announced revised standards for online slot games to make them safer by design. These mirror many of the existing controls on gaming machines and tackle some of the features which exacerbate the risk of harm to gamblers; for example, increasing the intensity of play or encouraging a false perception of the game, such as feeling in control of the game outcome or believing a game is due a payout.

Finally, there is also a range of other universal controls to make the online gambling experience safer, largely imposed through licence conditions on gambling operators. For example, there are strong age verification measures for setting up accounts to prevent children gambling, reverse withdrawals have been banned since October building on guidance issued in May , and the use of credit cards to gamble online was banned in April , which the evidence suggests has been useful in preventing harm.

Key evidence as it relates to our policy proposals is discussed in more detail below, but a number of overarching themes emerged across the submissions. Firstly, there was significant discussion of the existing controls and the majority including industry stakeholders presented evidence that current protections could and should be further improved.

Operator responses largely put this in the context of the recent changes which have been introduced through voluntary industry codes or Gambling Commission mandated action.

For instance, many discussed the significant changes to their harm detection systems since the Commission updated its customer interaction requirements and guidance in July , and others mentioned measures like the ban on credit cards in April Most industry submissions pointed to recent Gambling Commission data which has since been updated which suggests a decline in the population problem gambling rate, as evidence that the incremental changes are having the desired effect.

They therefore make the case for continued changes, but cautious ones which fully evaluate the spate of recent measures before proceeding.

Conversely, many outside the industry submitted evidence on the harms which individuals had suffered in spite of the existing controls, which they argued were therefore ineffective. In their view, significant new controls are needed to curb the risk of harm presented by certain features of online gambling including industry practices.

A number of individuals submitted evidence including case studies which showed that signs of harm can be missed and that individuals are permitted and occasionally encouraged to continue gambling. To support this position, many respondents cited the Patterns of Play interim report.

These individuals may not have been spending more than they could afford, but many respondents felt operators should have been doing more to check. Some contended the models can now even identify and prevent harm before it occurs, but this is hard to verify.

Operators broadly argued in favour of these tailored controls, rather than measures which may limit the enjoyment of gambling for the majority of players who suffer no ill effects and may if curtailed in their gambling turn to unlicensed operators.

How gambling operators use the data available to them was also covered by campaign and consumer groups, with some levelling specific criticisms regarding data governance and processing. In addition to failing to identify those suffering harm, respondents identified wider practices which might be detrimental to consumers, such as the profiling of customers and the restriction of winning accounts.

This was part of a broader sentiment across some respondents that consumers needed to be better empowered in their dealings with remote gambling products and companies. In addition to submissions to the call for evidence, we also received advice from the Gambling Commission , which emphasised the importance of measures to prevent harm throughout the remote customer journey, and committed to build on recent work to improve protections.

Most online gamblers have relatively modest losses. Face cards and 10s are the most desirable cards in blackjack. Being dealt a 10 can be the difference between hitting a blackjack and losing your hand. While it may not seem like a big deal, when you look at how much it changes the house advantage, you quickly realize that it is indeed a game-changer for your Spanish 21 strategy.

A blackjack basic strategy card will not help you win at Spanish When you play Spanish 21, always remember that a 10 is not coming your way from the dealer. However, face cards, which are worth 10, except an Ace valued at 1 or 11, are in a Spanish 21 deck. For decades, if you were dealt a blackjack while playing standard blackjack, the common payout was odds on your bet.

However, as accountants and executives of casinos started to look at more ways to improve their bottom line, blackjack tables have been more prominent over the last decade.

Sadly, the vast majority of the lower-limit blackjack games you will find in casinos will be blackjack and not In Spanish 21, blackjacks are paid out at odds. Even if the dealer hits 21, you will automatically be paid for a 21 in Spanish 21 rather than a push in traditional blackjack games.

Additionally, Spanish 21 has a variety of bonus payouts available for reaching a total of The bonus payouts are dependent on how many cards it takes to hit a As you can see, there are lots of ways to win more than you bet while playing Spanish As a general rule, the house edge is lower in Spanish 21 than in standard blackjack games.

Typically, variations of traditional games in casinos offer worse odds. This is not the case with Spanish The house edge in Spanish 21 is roughly 0.

With respect to blackjack, the house edge can vary from approximately 0. The house edge in blackjack is dependent on the number of decks, rules, and what blackjack pays. Advantage players whose card count can push the house edge in their favor.

However, most people do not card count, and the most popular game of blackjack in casinos is with poor house rules. Blackjack with odds can push the house edge to over 1.

Playing Spanish 21 instead of blackjack is the better option for most gamblers. These concerns are not valid when playing Spanish 21, though. The Spanish 21 rules regarding doubling down are much more relaxed than standard blackjack.

Not only can you double down on any two-card hand, but you can double down even after you hit or split, too! Furthermore, you can even double a double if you want to! So, you hit and dealt a 6 for a total of In a standard blackjack game, you will not be able to double down. However, players are free to double down after hitting.

With an 11, you can double down in this spot. And, even double down again if you wish to do so. If you are playing Spanish 21 instead of blackjack, you can keep hitting even after a double, and if you like your hand, you can even double it again!

Being able to get aggressive with your doubles, with the added flexibility of hitting after you double is a major advantage when comparing blackjack vs. Spanish