1. Payment blocking – success or failure
IAGR 2018 – Silje Sægrov Amble

3. Payment blocking as a tool for market protection and player protection
One of many different and effective tools that can complement each other
A useful tool for every jurisdiction, regardless of regulation, because we all have a marked to protect
New companies has to take a conscious choice weather they wants to offer their online games in Norway
When we have the regulation, we must follow-up to stop illegal gambling - responsibility to our citizens

4. Player protection – stop fatal consequenses
Why don`t you and my bank stop me from gambling?
Why can I gamble all my money when there is a payment ban for gambling?
Dept bigger than I and my family can bare
What can I do?

5. Gamblingsitenorway.com

6. Gambling transactions - deposits:
Norwegian bank Foreign bank
MCC 7995 Gambling MCC not gambling (ex. dating or drugs)
Gambling company without a license

7. Payouts Gamblingsitenorway.com
payment service provider SE

8. Banks: we want the ban to have effect and follow your orders – risk for money laundering
Should we stop this payment transaction?
Updated list of payment providers that is offering gambling without a license?

9. Payment providers: we back off when we taste the consequences of your orders to the banks
But some don’t – examples are Entercash and Trustly
Freedom of legal payment services
…….but respect for the different countries`gambling regulation

10. Success
Knowledge about the market and how the gambling and payment work in practise is a requirement to succeed
Informed choice to respect the regulation or not
And aware what the consequences can be
The gambling companies that decide to follow the regulation is able to do so
The payment service providers can have legal activity (not gambling) in the jurisdiction
Payment blocking can be a success even when it is possible to circumvent

11. And failures
Many gambling companies and payment providers still process gambling transactions in the jurisdiction
The regulation needs to be followed-up very closely by The Gaming Authority to be effective, constantly hands on from us over a period of time is necessary
The possibility to have updated information about account numbers used to gambling without a license, to be able to stop the payment transactions

12. Now – public hearing on proposals to increase the effect and success of the payment ban
Wider possibility to order the banks to stop transactions
Duty for the banks to give information to The Gaming Authority

13. Summary
A tool for every type of jurisdiction – we all have a market to protect
Market knowledge on payment transactions
Information and dialogue on regulation and consequences
Success even when its circumvented

14. E-mail: ssg@lottstift.no