Prohibition of gambling on credit cards

Thinking about the assertive shown in this report, we believe:

• We are satisfied with the fact that gambling ban was safely sold by the introduction of a space} credit card.
• Space} I am convinced that the initial impact on economic behavior and gambling behavior was positive.
• In fact, he is aware that the buyer who was using a credit card is completely familiar with other ways to use the tools borrowed for gambling. But most of them stop using the borrowed method, we remember the importance of subsequent prediction s-after removing the restrictions on blocking.
• Natsen is commissioned by GREO to see the lon g-term results of banning economic and gambling behavior, and perform subsequent evaluations.

Phase	Prerequisite / result	evidence
implementation	Businesses take prohibited measures efficiently and on the deadline	We point out that there is no certificate of regular ban on operators by bank records, and as expected, we prove that credit card payments that are advantageous to gambling facilities are decreasing. did.
implementation	Financial institutions block payments with credit cards via digital wallets.	If they are running from a credit card, the largest provider of electric wallets and power tools (to soothe the main buld of transaction jumps), and in fact, the wallet trading is gambling. We guaranteed to be blocked, but some trivial crimes were, excluded, and excluded.
implementation	Gambling players do not make a large deposit from their credit card before being banned.	Bank data describes the poor access to increase funding from credit cards by Gambler at the ATM in the impact of prohibition measures.
Financial behavior (initial)	Gambling players have not been replaced by other expensive loans with these loans to wages	In fact, tracker data indicates that the ratio of players to report and report gambling remained constant, using other forms of funds actually borrowed, and implemented the role of customers. Valuable studies show that COVID-19 has influenced more economic behavior.
Financial behavior (initial)	Players do not rely on illegal funding, such as breeding, theft, and fraud.	The department to eradicate illegal currency lending has nothing to build a number of reports related to gambling and credit card ban.
Financial behavior (initial)	Players are not prohibited to extract cash from credit cards, put money in wallets, or use a phone account with a precedent payment.	According to the tracking data, more people who stopped using the loan for gambling were more than those who switched to other methods. The work based on buyers' opinions, like a part of the respondents who used these methods, showed high recognition of solutions for ban. According to the banking data, there was no rapid increase in currency remittance of players using credit cards for three months after the ban.
Gambling behavior (initial)	Gamblers do not reach out to unlicensed gambling sites and dark markets	As a result of the ban on credit cards, it has not been reported that the player has switched to an unlicensed gambling site. During the survey on buyers's concepts, no people were searching for an unlicensed website or gambling.
Gambling behavior (initial)	Minimize the discomfort of gambling enthusiasts	Investigating consumers' perceptions that the awareness of the ban was relatively low, and those who changed their actions did not feel any problems. As a whole, the ban is favorably accepted. Quotes from tracker sample surveys can be controlled, even if they are flattering, to stay within the restrictions.

Background and approach

Background

2018 to 2019

2020

2021

Aims

The main purpose of gambling prohibition with credit cards was to prevent gamblin g-addicts from using credit cards as a simple way to spend money to use money to repay a large amount of gambling debt. 。 The ban was to limit the process of gambling with the borrowed money.

However, from the beginning, it was recognized that not all gambling with credit cards was prohibited, and some ways to use credit cards have been recognized. This emphasizes how the players are raising funds and the importance of evaluations to detect the changes in players who can cover potentially harmful patterns.

He also mentioned that each measure taken for the use of credit cards, including the transition to other borrowings, could have an unexpected impact.

Introduction documents, summaries of evidence recruitment, and answers that cannot be canceled to consultation can be obtained from the following links:

• Summary of answers to slogan (PDF)
• Consultation on gambling associated with credit card introduction (open on new tabs)
• Final answer to consultation.

Evaluation Activity

Evaluation is based on four milestones:

Stage 1

Stage 2

Stage 3

Stage 4

In late May 2021, GREO later conducted a competition selection, and the NATCEN Social Survey was appointed as an absolute evaluation of the ban on credit cards in England. In June 2019, GREO was allowed to create a work program to support national strategies to reduce gambling harm. As part of this work, they worked to strengthen the evaluation of initiative to enhance gambling (open on the new tab), whether the ban was sold or whether the ban was sold. Observe the progress performed to achieve the prohibition, as expected, suddenly all types of flattering and negative results, and the possibility of the configuration in the future. The work is to apply these conclusions and certain predictions to the future politicians. In the review, the first and secondary and secondary data tests, players, interviews with injured and stakeholders, and the prohibition of credit card gambling is to study the results and effects of several processes. Focus.

Change theory: Prediction period

It was announced on January 14, 2020 that the introduction of a credit card was announced, and it was introduced on April 14, 2020. The first step required to prohibit gambling with a credit card is to block credit card payments through digital wallets, "the operator will be effective and within the deadline." "" After that, the success of the introduction was recognized, but in fact, it is necessary to consider whether the player made a large amount of money with a credit card before the ban was introduced. Financial results and speculation are due to the following routes: "Athletes are not executed in other expensive loans, such as lending to salaries," Usurers, theft and fraud, not being executed in illegal sources that receive these funds. "And" players have placed money on wallets that are not prohibited to delete cash from credit cards, or calls. Apply the fee for gambling: "Gamble's discomfort is minimized", "Players are not running on the unlicensed gambling site or dark market".

Change theory: Future evaluation work

Future review events will continue monitoring financial and gambling results. Regarding financial results, "the number of borrowed funds borrowed in loans and other forms" is debt risk, the number of debt s-related gambling that leads to bankruptcy, and credit cards related to the borrowed funds/ Reduce the number of financial scams. All of these leads to the goal of "reducing the effects of financial damage to players and others by debt." Gambling results "Strengthening friction is gambling", "," "," which leads to changes in gambling and gambling models, the strengthening of friction is reduced the number of recovery of those who have recovered after GRD. The result of the gambl e-related harm by playing with funds] The results of the game "banned the practice and recognition of operators to support safe gambling", "recognition of the dangers related to loans" Is connected to a more responsible game and increases the use of SG/ Sel f-exclusion tools "means" new players are not trust but profit from normalization ", and more secure" payment behavior and safe gambling. " It leads to "industry commitment in".

Methodology and limitations

Methodology for key sources

Many conclusions in this report are based on the two sources, the company's survey online tracker and the consumer voice committee. The main details of each approach are shown below.

Online Tracker methodology

• Online survey conducted by Yonder Consulting using a panel
• SPACE} A national national sample including about 2, 000 adults over the age of 18 in the UK.
• Data collection is implemented every quarter, and data is collected after 2020 during the national or regional restriction period.
• The base size of each problem is shown in the relevant table.
• The question was changed since it was created in December 2018 because the understanding of the motivation to use the borrowed money for gambling.
• If the change in the questions in the question may affect the data on the trend, it is described in the corresponding table.

The list of questions for each wave can be confirmed in the application.

Consumer Voice methodology

• According to the request of 2CV.
• 30 respondents participated in the eigh t-day online community in February 2021, of which 29 were completely completed.
• Respondents surveyed many topics, including the effects of credit card ban and complaints.
• All respondents played Internet gambling for the past 12 months, and 20 were playing gambling with credit cards until April 2020.
• The sample was a person who complained to the gambling operating company or wanted to complain.
• A huge trick of members with the highest gravity of the gravity (PGSI) in relevant to the structure of the collection
• The gender ratio was 50 to 50, and there were unauthorized gloss of age, by age, by society and economic groups, folklore adjustment, employment status, family situation, and living space.

Limitations of the ban and evaluation

Limitations of the ban

There are exceptions to the prohibited matters, and it is necessary to determine how much it is:

The main exception is the purchase of lottery at a supermarket, which is not gambling because the member store category is no n-aging code. This was recognized during the prohibition period, and the conclusion of the exclusion of this work was adopted based on proportional and danger.

This prohibition Ordinance introduces the highest limit on the introduction of credit cards to raise funds for gambling, and prohibits the introduction in a place where it is likely and has a highly proportional relationship. However, scenarios such as introducing credit cards to extract cash with ATMs and using this fund for gambling, do not have the chance to follow the business or economic authorities. It cannot be expanded. As a result of this notification on the indirect access to funds from a credit card, they may be accurate, but this does not mean that the prohibition implementation was not successful.

Limitations of the evaluation

It is worth paying attention to some restrictions on information sources.

Infoste r-Information to the respondents is invited to explain actions and gambling, but the questions listed in the application are acceptable acts to acquire lottery in a supermarket in a supermarket. The same is true for not having the detailed level required to understand whether it is used or not.

Information online trackers provide inaccurate behavioral data. Incorrectness increases the possibility that the respondents reminiscent of a long period (12 months), but we still see that the respondents are confused their personal behavior with debit cards and credit cards. There is.

The quality survey of the voice of the consumer is based on a limited collection of 29 complete respondents, and as already mentioned, the selection of respondents includes people at or above the highest limit of problem gambling severity (PGSI).

People who are not aware of the standard will actually become satisfied that they have created it. They are less likely to voice non-compliance to the regulator, even if they understand the gambling ban due to the introduction of credit cards.

The impact of Covid-19

The introduction of the gambling ban due to the introduction of credit cards (14 April 2020) actually coincided with the first national blocking measure in England (legally introduced on 26 March 2020).

The Covid-19 blocking period had a significant impact on people's gambling behavior and their economic situation. For exposure to gambling behavior, see the COVID-19 dataset.

The blocking measures implemented since March 2020 were numerous and changing, making it very difficult to link the composition of economic and gambling behavior to the credit card ban rather than to changes in the causes surrounding the environment.

In the survey "Voice of the Consumer", respondents who did not change their own behavior in gambling and those who announced an increase in the time they spent on gambling, especially younger respondents, declared that they were more bored during the blocking and considered that they had every chance to spend more money on gambling because they would not waste money on other (temporarily inaccessible) classes. It is necessary to assume whether such new models of behavior will remain when England temporarily postpones the blocking restrictions.

The ban not only warned the availability of ground gambling, but also reduced the possibility of meeting other leisure, that is, users.

Operator Implementation and customer behaviour

Metric operators to introduce the ban effectively and timely Fear if operators did not introduce the ban, this would be a fair collapse. We definitely doubt the evaluation, gambling actors introduced the ban in time and efficiently.

To judge the performance of the ban, we considered two leading data sources:

1. Banking data: Once from a big street bank, he told us, that indeed the ban, they had seen a decrease in the size and price of gambling transactions for MCC7995 gambling company code and credit cards due to a fairly low interest rate.

The remaining lo w-level costs are due to jobs other than prohibited (mainly lots and competitions).

1. During our information ratio, there was no violation of the operator, and there was no warning on organized violation of gambling ban during the introduction of a credit card.

Credit cards and digital wallets

Metrica financial institution blocks credit card payments through its own digital wallet.

Sorry for charging an electronic wallet so that it can be used for gambling so that it can be used for gambling, gambling prohibition reduces the recognition level of friction that should be caused by the introduction of a credit card.

The digital wallet loaded with the evaluation credit card is guaranteed that there is no possibility of gambling.

Most deposits from remote areas in gambling are made using debit cards. However, it was recognized that the ban on gambling associated with the introduction of a credit card would be disturbed if a credit card payment was introduced in the electric wallet. And the card may be used for gambling.

Electric wallets and electronic money, such as PayPal, Skrill, Netteller, and Revolut, guarantee that buyers cannot send money to gambling businesses from their electric wallets and accounts. Several small wallet candidates provide the same warranty.

These operators are responsible for the wallet trading, but some other small wallets have different configurations.

Immediately after the prohibition order came into effect, there were quite a few cases where trading from the electric wallet was allowed to trade a gambling account, and in this case, the credit card of the wallet provider was used. This was caused by an error in the coding of some gambling companies and was quickly resolved.

Deposits prior to the introduction of the ban

Meter Mettle Gambler does not make a large amount of money with a credit card before the prohibition of the ban.

Until the concerns were banned, the players could make a large amount of money on their credit card accounts, which had diminished in early prohibition measures.

The evaluation We have determined that there were few evidence that a large deposit was made using a credit card before gambling ban.

According to one line of a major bank, there are few people who use credit cards to gamble, or even after the ban on gambling or ban, there are few changes that are visible to cash drawers and remittances. Say it.

There was a significant decline in ATM usage in March 2020, which may be a result of the spread of COVID-19 during this period.

Displacement to other high-cost credit sources​

Metric gamblers are not displaced by other high-cost sources of credit, such as consumer credit

The concern of gambling for credit card debt was associated with harm, but the displacement of more expensive sources of credit seems even more harmful.

The assessment of the use of credit sources for gambling that are not related to credit cards remains stable.

The indicators of the use of other forms of borrowed funds for gambling in our survey online tracker have remained generally stable over the period observed since the introduction of the ban on gambling with credit cards.

The graph shows quarterly indicators of the use of overdrafts, consumer credit and other loans, mobile phone payments, and borrowing from relatives and friends for gambling funds.

Figure 1. Percentage of gamblers who gambled with other borrowed funds in the past 12 months

Percentage of gamblers who gambled with other borrowed funds in the past 12 months

Excess	Salary loans	Other loans	Family/friends	Mobile phone accounts	Base size
December 2018	4%	2%	1%	2%	1645
March 2019	4%	2%	1%	2%	1587
September 2019	5%	2%	1%	3%	1551
December 2019	4%	2%	1%	3%	1534
March 2020	3%	2%	1%	3%	1565
June 2020	3%	1%	1%	3%	1%	1473
September 2020	5%	3%	2%	3%	2%	1528
December 2020	3%	2%	1%	2%	2%	1575
March 2021	3%	2%	1%	3%	2%	1492
June 2021	4%	2%	2%	4%	2%	1480

Source: Online Tracker, players who gambled in the past 12 months

The lack of growth in the use of salary loans among those who gambled in the past 12 months is consistent with data from YouGov Profile (opens in new tab). Judging from the information from their panel, pre-salary loan usage is stable in the period 2019-2021.

Figure 2. Have you ever taken a short-term loan or salary loan? A salary loan is a small unsecured short-term loan with a high interest rate, also known as a "cashing advance".

Have you ever taken a short-term loan or salary loan?

2019	2020	2021
Yes.	7%	8%	8%
Yes, I am currently paying it off.	2%	2%	2%

Source: YouGov Profiles, GB 18+

Those who announced in the consumer voice survey that they use borrowed funds (family, akagi, credit) for gambling said that they started using borrowed funds because of financial insecurity due to COVID-19, not because gambling with credit cards was prohibited.

Displacement to illegal sources of funds​

Gamblers do not turn to illegal sources of funds such as profiteering, theft, or fraud.

Study matters, there is a risk that gambling with credit cards may be the only way to borrow money, so if you do not have such an opportunity, you may be dyed on an illegal income source.

No evidence was found that illegal gambling funding was conducted as a result of the ban.

According to the information obtained from the victims of gambling addiction by the illegal loaning team, gambling dependents claimed to have borrowed due to the ban on credit cards have not been specific reports on illegal lending acts.

However, during the pandemic period, the number of reports sent to the team has declined significantly, and it is necessary to continue monitoring. In relation to pandemic, the fact that hig h-interest lending and the usual meeting place for the victims were closed, restricted in movement, and sel f-divination seemed to have led to a decrease in the number of notifications, but the regulations are alleviated. It may change now.

No evidence of illegal gambling financial activities was found, but there is no regular and reliable data source for this topic. In English's health survey (open on a new tab), respondents are asking if they committed "gambling financial crime", but in 2020, there was no field survey due to COVID-19, and 2021 in 2021. Data is unlikely to be available until December 2022. However, the ban on gambling with a credit card is only one of many variables affecting this number.

Bypassing the ban through other behaviours​

The gambler of the meter method does not avoid prohibition by pulling out cash from a credit card, depositing money in a wallet, using a phone fee payment method.

Concerns There are legal methods to avoid gambling ban with credit cards, but if they are used widespread, the effectiveness of prohibition is impaired.

The score resolution is highly aware, but many people who used to gamble with credit cards before gambling with money (not borrowed money) than other borrowed money. I am.

Figure 3. How did the gambling user with credit card change the gambling funding method over the past 12 months after the introduction of prohibition measures?

How has the credit card's gambling funding changed by credit cards to change the gambling funding method?

I play with my money (that is, I don't borrow money).	Instead of credit cards, they are gambling with other borrowed money (such as loans, red drops).
Ye s-Credit card prohibition results	49%	15%
Yes (both)	2%	0%
Ye s-as a result of something else (eg, savings, no work, surplus, etc.).	20%	9%
No	29%	76%

1) He said he had actually stopped gambling for other reasons (eg, savings, lack of work, dismissal, etc.). Zer o-The respondents answered that gambling was banned as a result. Key: Online tracker, people who gamble with credit cards until April 2020 (March and December waves, n = 131)

Almost center (49%) of the tracker respondents who were playing with a credit card said they had adapted the method to actually procure gambling funds. A minority (15%) replied that it was banned and began to play with other borrowed funds.

Thre e-quarters (76 %) of those who used to play with credit cards before are not playing with other borrowed funds.

The standard value is quite low, so I will touch it in case, but of 15 % (n = 17), which began to gamble with other borrowed funds due to prohibition, gambling with other borrowed funds due to prohibition. The person who came to do is as follows:

• The level of involvement in gambling was high. All 17 people were lo w-risk or problematic players, and most of them (n = 13) had been gambling more than seven times in the last four weeks.
• Four of these cohort said they actually used commercial loans.
• He announced the use of a mobile phone account for gambling, but one person had not before.

Of the 76 % (N = 103), which did not gamble by introducing other borrowing funds, PGSI points vary after the ban was 15 % in lack of preparation, "low risk" 24 %. Risk was 34 % and 27 % with "problem".

Figure 4. When a person who borrowed funds in the past 12 months to gamble (before, before the ban)

When a person who borrowed funds in the past 12 months to gamble (before, before the ban, both)

Until April 2020 (that is, until the credit card ban is enforced)	For example, until April 2020 and after April 2020	After April 2020 (= when the credit card prohibition is enforced)	Standard amount
Direct loan	49%	19%	31%	180
Indirect loan	28%	twenty two%	49%	81
Overlooking	37%	37%	26%	85
Salary loan	28%	twenty two%	50%	39
Other loans	29%	twenty five%	46%	24
Family / friend	35%	38%	27%	73
Mobile phone account	37%	33%	30%	47

Source: ONLINE TRACKER, who has introduced some borrowing funds for the past 12 months (December 20 + March 21) and gambling.

For the use of borrowed tools for gambling, track the introduction of a loan as well as a small collection size in real time.

Everyone who announced the direct use of credit cards has also announced the purchase of NL Draw Tickets and Scratch Cards.

Bank Data:

Earlier, at the time the credit card gambling was banned, he stated that there was no noticeable change in withdrawing funds from credit cards at the ATM. According to a major street bank that we told us, there were no noticeable shifts to foreign exchange payments among those who actually gambling with credit cards, and they actually talked about how to avoid passing wallets. 。

Consumer Voice Research:

During the investigation, the attitude and the possibility of transferring to indirect credit sources were investigated. Respondents showed a fairly high awareness of legal bypass trucks, such as withdrawing funds from credit cards with ATMs, refilling the current deposit account, or transferring them from a credit account to the current account account.

Some respondents answered that they still provide funds directly to gambling with credit card support, but in the subsequent survey, they actually indirectly introduce cards. It is known. Here are some examples in an appropriate place.

Consumer Voice Research

In an application survey on consumer voices, we surveyed consumers who answered that they were using credit cards for gambling. There were multiple ways:

• Transfer money from credit card account to debit account
• Space｝ Use a credit card to pull out cash, transfer it to a debit account, or use it for gambling.
• Use a credit card for expenses (other than gambling), and the postscript is used for gambling, not the opposite.

Quote

When "prohibition" was introduced in power, I replaced the payment method to the debit card. Currently, it is transferred from a credit card to an individual current deposit account. In fact, my payment method is literally similar to before the ban. It's a rudimentary thing, but I give it to the trader. (Male, 52 years old, PGSI1-2)

Quote

"Because I use a bank card loan every day, I really needed money before receiving the salary at the end of the month. I left the funded funds in my personal bank. (Female, 49 years old, PGSI3-7).

Quote

"I was in a state of over-the-counter, and I paid a credit card for shopping that would never be arranged." (Male, 47 years old, PGSI 3-7)

* Indicates that the base is low

Displacement to unlicensed gambling sites​

Metric gamblers do not move to unreliable gambling sites or black market.

Gambling sites that have not been approved in the UK can receive credit cards, but they do not provide the same protection as the regulated markets, so it is concerned that customers will increase their risk.

As a result, there is no movement to sites that have not been approved.

Information sources, including reports of unlicensed sites in the UK, did not show any movement to the dark market due to the ban on credit cards, but the motivation for gambling with no n-licensed companies is hardly known. 。

Consumers are unlikely to inform us about their actions, but the number of reports we received was stable throughout the ban.

Inconvenience to leisure gamblers​

Index for minimizing the inconvenience of gambling fans

The ban was designed to reduce the harm assaulted by the gambling of the people who borrow money and play, and to minimize the impact on those who play harmlessly.

With the evaluation of prohibition measures, some players were able to control gambling without seriously bothering other players.

Investigating consumers' opinions revealed that even the players playing with credit cards have a very low awareness of prohibition. Most gambling participants use different payment methods, and can replace credit card payments by tolerated alternative means such as debit cards.

In this survey, it turned out that there are two main relationships with ban among the former players with a credit card:

• People who have little temptation to spend money on gambling
• Space｝ It is difficult to use a legal detour, so it feels a little inconvenient, but others accept the ban.

Opinions are generally positive, and some people have increased their awareness of the amount spent on gambling.

The survey showed that although the ban did not change the overall behavior of gambling or the declared cost, there were signs that the players were borrowing and the amount of money was decreasing. With the ban, some players' awareness eliminated the temptation of gambling.

Quotes from the consumer voice research include:

Those that feel less tempted to spend money gambling:

"I use bank cards and my own money. It's definitely good because it's really money than using a credit card."

"The measures that can help avoid the formation of gambling are encouraging. This is an unpleasant case, the temptation of those who have the opportunity to reach out to credit cards to regain losses. Eliminate "(male, 56 years old, PGSI 3-7).

"For example, the money you don't have, you will no longer use 1 (credit card) for gambling to carry debts" (male, 56 years old, PGSI 3-7).

If you don't have a salary, you don't spend much money, so you'll feel like you've gained it. "(Male, 56 years old, PGSI 3-7). I think this is not a bad solution. "(Female, 25 years old, PGSI 3-7).

"This is, for example, it may not be spent unless the bank has money, so it may be used if it is not prohibited" (female, 49 years old, PGSI 3-7).

Those that experience some inconvenience due to the friction of utilising legal workarounds, but otherwise accept the ban:

"When Debetlow is not used, I still borrow money with a credit card. The inconvenience is basically to go to a place where you use cash and buy lottery (32 years old, 32 years old, PGSI. 0).

"With the movement of funds, I basically had to make an auxiliary steps for payment, but I wouldn't call it" inconvenient "(male, 52 years old. Pgsi1-2).

"I believe this actually helps people, but at the same time, if they want to bet, they find a way to arrange them, including taking into account the ban. I guess, I'm using another card for the game "(male, 21 years old, PGSI 3-7)

In June 2020, in an online tracker, we asked how the credit card ban on games had affected gambling, and these people answered:

Welcomed the additional friction to spending with borrowed money:

"It has become difficult to function as a gambling. Thanks to the ban, irresponsible actions have become difficult.

"I started managing my expenses.

Are now gambling within their limits or have reduced the amount of time and money they spend gambling:

"The real money comes out of my account, and I feel like a real money, so the number of bets has decreased."

"I was deprived of the ability to gamble, and my debt deepened.

"This is not allocated to generate more money and generate interest on credit card," he said.

Highlighted their use of workarounds or use of other forms of borrowed money for gambling:

"For some websites, I have changed the way I pay for a regular bank card. So use a certain amount to apply the overturns instead of a credit card. I was forced to do it.

"I have finished applying a credit card to replenish the account directly to the game, but I can still take photos of funds at any ATM and apply at my discretion."

Conclusions and next steps​

From the introduction of the ban on gambling by credit cards in April 2020, as a result of monitoring indicators defined in the "theory of change", it is necessary to confirm the need to take important measures to correct the situation. The evidence was not clear.

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

Most of the people who have changed their actions have reduced their dependence on the money borrowed during gambling, minimizing inconvenience to gambling fans, and introducing credit cards is different from the strength of gambling. Gained the support of a player.

However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.

Natsen has received an order for a fully evaluated business to evaluate the impact of Greo's credit card prohibition. The evaluation contract started in June 2021, and is currently collecting qualitative and quantitative data, and will be completed by the end of February 2023.

The indicators considered as part of a ful l-fledged evaluation are larger and more complicated than those that are considered in the current stage monitoring, and need to cooperate with additional sources and many stakeholders.

In particular, the support of the financial sector promotes the completion of the evaluation. Certain indicators can only be obtained from data stored in financial services, and cooperation with one or more financial authorities representing British consumers will help to evaluate the effects of the ban on credit card gambling.

Appendices​

Appendix 1: ToC Participating Organisations

At the Gambling Committee's January 2020 seminar, the following organizations cooperated in creating a change theory:

• Citizens Advice
• Space} A group that eradicate illegal financial loans
• Political Institute for Money and Mental Health
• Step change.

Gambling advice on security has become his communication teaching material. < SPAN> From the time the banble ban with a credit card was introduced in April 2020, as a result of monitoring indicators defined in the "theory of change", it is necessary to take important measures to correct the situation. There was no evidence to confirm.

Appendix 2: Online Tracker Survey Questions

Online Tracker Survey Questions (December 2018 and March 2019)

Ask all who have gambled on at least one product

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

1. However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.
2. Excess
3. Salary loans
4. Other loans
5. Family/friends
6. Political Institute for Money and Mental Health
7. Step change.

Ask for all options selected at Q70

Gambling advice on security has become his communication teaching material. From the introduction of the ban on gambling by credit cards in April 2020, as a result of monitoring indicators defined in the "theory of change", it is necessary to confirm the need to take important measures to correct the situation. The evidence was not clear.

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

Most of the people who have changed their actions have reduced their dependence on the money borrowed during gambling, minimizing inconvenience to gambling fans, and introducing credit cards is different from the strength of gambling. Gained the support of a player.	However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.	Natsen has received an order for a fully evaluated business to evaluate the impact of Greo's credit card prohibition. The evaluation contract started in June 2021, and is currently collecting qualitative and quantitative data, and will be completed by the end of February 2023.	The indicators considered as part of a ful l-fledged evaluation are larger and more complicated than those that are considered in the current stage monitoring, and need to cooperate with additional sources and many stakeholders.
In particular, the support of the financial sector promotes the completion of the evaluation. Certain indicators can only be obtained from data stored in financial services, and cooperation with one or more financial authorities representing British consumers will help to evaluate the effects of the ban on credit card gambling.
{space}
Salary loan
{space}
Family / friend
Gambling advice on security has become his communication teaching material.

Online Tracker Survey Questions (September 2019)

(Ask all who have gambled on at least one product)

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

1. However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.
2. Excess
3. Salary loans
4. Other loans
5. Family/friends
6. Step change.

(Ask for all options selected at Q70)

No (exclusion).

Q. 71. Please specifically answer the gambling funding method for the past 12 months. (One answer is one in one line)

Most of the people who have changed their actions have reduced their dependence on the money borrowed during gambling, minimizing inconvenience to gambling fans, and introducing credit cards is different from the strength of gambling. Gained the support of a player.	However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.	Natsen has received an order for a fully evaluated business to evaluate the impact of Greo's credit card prohibition. The evaluation contract started in June 2021, and is currently collecting qualitative and quantitative data, and will be completed by the end of February 2023.	The indicators considered as part of a ful l-fledged evaluation are larger and more complicated than those that are considered in the current stage monitoring, and need to cooperate with additional sources and many stakeholders.
In particular, the support of the financial sector promotes the completion of the evaluation. Certain indicators can only be obtained from data stored in financial services, and cooperation with one or more financial authorities representing British consumers will help to evaluate the effects of the ban on credit card gambling.
{space}
Salary loan
{space}
Family / friend
Gambling advice on security has become his communication teaching material.

(Ask for all options selected at Q70)

{space}

Q70. Have you ever used the following methods to raise gambling in the last 12 months? (Mark to all that applies)

Online Tracker Survey Questions (December 2019)

(Ask all who have gambled on at least one product)

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

1. However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.
2. Excess
3. Salary loans
4. Other loans
5. Family/friends
6. Step change.

(Ask for all options selected at Q70)

Gambling advice on security has become his communication teaching material. From the introduction of the ban on gambling by credit cards in April 2020, as a result of monitoring indicators defined in the "theory of change", it is necessary to confirm the need to take important measures to correct the situation. The evidence was not clear.

Personal gambling

Most of the people who have changed their actions have reduced their dependence on the money borrowed during gambling, minimizing inconvenience to gambling fans, and introducing credit cards is different from the strength of gambling. Gained the support of a player.	However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.	Natsen has received an order for a fully evaluated business to evaluate the impact of Greo's credit card prohibition. The evaluation contract started in June 2021, and is currently collecting qualitative and quantitative data, and will be completed by the end of February 2023.	The indicators considered as part of a ful l-fledged evaluation are larger and more complicated than those that are considered in the current stage monitoring, and need to cooperate with additional sources and many stakeholders.
In particular, the support of the financial sector promotes the completion of the evaluation. Certain indicators can only be obtained from data stored in financial services, and cooperation with one or more financial authorities representing British consumers will help to evaluate the effects of the ban on credit card gambling.
{space}
Salary loan
{space}
Family / friend
Gambling advice on security has become his communication teaching material.

Online Tracker Survey Questions (March 2020)

(Ask all who have gambled on at least one product)

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

1. However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.
2. Excess
3. Salary loans
4. Other loans
5. Family/friends
6. Step change.

(Ask for all options selected at Q70)

Gambling advice on security has become his communication teaching material. From the introduction of the ban on gambling by credit cards in April 2020, as a result of monitoring indicators defined in the "theory of change", it is necessary to confirm the need to take important measures to correct the situation. The evidence was not clear.

Q. 71. Please specifically answer the gambling funding method for the past 12 months. (One answer is one in one line)

Most of the people who have changed their actions have reduced their dependence on the money borrowed during gambling, minimizing inconvenience to gambling fans, and introducing credit cards is different from the strength of gambling. Gained the support of a player.	However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.	Natsen has received an order for a fully evaluated business to evaluate the impact of Greo's credit card prohibition. The evaluation contract started in June 2021, and is currently collecting qualitative and quantitative data, and will be completed by the end of February 2023.	The indicators considered as part of a ful l-fledged evaluation are larger and more complicated than those that are considered in the current stage monitoring, and need to cooperate with additional sources and many stakeholders.
In particular, the support of the financial sector promotes the completion of the evaluation. Certain indicators can only be obtained from data stored in financial services, and cooperation with one or more financial authorities representing British consumers will help to evaluate the effects of the ban on credit card gambling.
{space}
Salary loan
{space}
Family / friend
Gambling advice on security has become his communication teaching material.

Online Tracker Survey Questions (June 2020)

(Ask all who have gambled on at least one product)

The introduction of the prohibition was successful, and the changes in the financial and game behavior of those who had been gambling with credit cards were generally positive.

1. However, it is clear that the legal detour gambling is quite highly recognized, and people who have a very high motivation to play with the money they have borrowed are likely to find a way while facing significant difficulties. It is important to constantly monitor actions in case of further increase in funding gambling with the end of the operation of block regulations.
2. Excess
3. Salary loans
4. Other loans
5. Family/friends
6. {space}
7. Step change.

(Ask to all who select codes 1-6 on Q70)

Methods of gambling financing in the past 12 months (March 2020)

Direct gambling

Internet gambling

(Ask to all who strongly agree or tend to agree in QCREDIT2)

Internet

Online Tracker Survey Questions (September 2020)

(Ask all who have gambled on at least one product)

Can't remember

Credit card

{space}

Excess	{space}
Salary loan
Other loan
{space}
Salary loan
{space}
Family / friend
{space}
Gambling advice on security has become his communication teaching material.

(Ask to all who have gambled on a credit card in the last 12 months (Q70(NEW) Code 1)

Other loan

{space}

Family/friends

{space}	Mobile phone bills (adding gambling fees to your mobile phone bill and paying later)	{space}
No (except).	On 14 April 2020, a law came into force in England banning adults from gambling using credit cards. This ban applies to internet and face-to-face gambling, except for lottery payments.	On 14 April 2020, a law came into force in England banning adults from gambling using credit cards. This ban applies to internet and face-to-face gambling, except for lottery payments.	On 14 April 2020, a law came into force in England banning adults from gambling using credit cards. This ban applies to internet and face-to-face gambling, except for lottery payments.
I play with my money (that is, I don't borrow money).
Instead of credit cards, they are gambling with other borrowed money (such as loans, red drops).

Online Tracker Survey Questions (December 2020 and March 2021)

(Ask all who have gambled on at least one product)

Last 12 months

1. Salary loan
2. Other loan
3. Excess
4. Salary loans
5. Other loans
6. Family/friends
7. {space}
8. Step change.

(Ask to anyone who has gambled with credit in the last 12 months (Code as at Q70(NEW). Only pull through the forms of credit they have used)

Can't remember

QCredit4: Q4. 2020 How did you change your sel f-financing method as the introduction of credit cards to gambling in April, April?

Also, please tell us if the cause is due to prohibition or other.

Until April 2020 (that is, until the credit card ban is enforced)	{space}	For example, until April 2020 and after April 2020
Salary loan	(Respondents who gambling in the last 7 days or 4 weeks are hidden)	(Respondents who gambling in the last 7 days or 4 weeks are hidden)
Other loan
{space}
Salary loan
{space}
Family / friend
{space}
{space}

(Ask to all who have used a credit card to directly fund gambling before April 2020 (Row 1, code A and C at QCREDITWHEN)

Other loan

{space}

{space}

{space}	Mobile phone bills (adding gambling fees to your mobile phone bill and paying later)	{space}
No (except).	On 14 April 2020, a law came into force in England banning adults from gambling using credit cards. This ban applies to internet and face-to-face gambling, except for lottery payments.	On 14 April 2020, a law came into force in England banning adults from gambling using credit cards. This ban applies to internet and face-to-face gambling, except for lottery payments.	On 14 April 2020, a law came into force in England banning adults from gambling using credit cards. This ban applies to internet and face-to-face gambling, except for lottery payments.
I play with my money (that is, I don't borrow money).
After April 2020 (when the ban on credit cards is introduced)

Online Tracker Survey Questions (June 2021)

(Ask all who have gambled on at least one product)

Last 12 months

1. Logic - only available to those who have purchased NL tickets or screw cards
2. Other loan
3. Excess
4. Salary loans
5. Other loans
6. Family/friends
7. {space}
8. Step change.

Appendix 3: 2CV Questions

Full list of related questions

1. {space}

Qcredit4: With the implementation of the credit card ban on gambling in April 2020, we are interested in how you have changed the way you finance your gambling and whether this is due to the ban or something else.

Please let us know if any of these statements are relevant to you since the implementation of the ban in April 2020.

1. Yes - as a result of a credit card ban

Yes - for other reasons (e. g., saving money, no job, fired, etc.)

1. You stopped gambling completely

(Respondents who gambled in the last 7 days or 4 weeks are hidden)

(Respondents who gambled in the last 7 days or 4 weeks are hidden)

(Respondents who gambled within the last 7 days or 4 weeks are hidden)

You are playing with cheap money for yourself (not borrowed money)

1. (Logical - only applies to those who chose a different borrowed fund) Then, ban (QcreditWhen Line 2-7 codes b/c) Gambling with other borrowed funds in exchange for a credit card (e. g., loan, overdrink, etc...)

RUCE} {RUCE

Q70 (New). In the past 12 months, have you used appropriate borrowed funds to finance your gambling? (Check all that apply.)

1. Credit cards used to directly fund gambling (e. g. buying lottery tickets or in-store Skrinkle cards) (Only applies to those who have purchased NL tickets or Skrinkle cards.)

{space}

Credit card for indirect gambling funding (eg, use a credit card to pay gambling to withdraw cash with ATM)

{space}

excess