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How to ensure effective risk monitoring in gambling

The digital age has led to companies generating large amounts of data, which has fuelled a new era of analytics for businesses. Data is a tool for businesses that opens new opportunities for gaming companies. They have now started to catch on to understand the value of data science and investing in giving their business users access to that data – this is particularly valuable to gambling or gaming operators. 

How regulations have necessitated change

Gambling has had some renewed regulatory focus recently, necessitating changes and improvements in how gambling operators approach risk reduction. The UK Gambling Commission (UKGC) has renewed its focus on gambling harm, this has been motivated by the drastic modern increase in ease of access to gambling. As a result, authorities have flagged multiple different payment behaviours that may be key indicators for problem gambling. 

Gambling operators, especially in the UK, have a statutory duty to minimise risk of harm. Therefore, there are certain given requirements for them to effectively and consistently do this. Operators must proactively avoid causing their clients financial harm and act if they become aware of gambler vulnerability.

Trust Payments has its own unique approach to these requirements and guidelines that help a gaming company improve its approach to risk reduction. 

Probability of harm and how Trust Payments supports responsible gambling

Gambling is a thriving industry with inherent risk and it’s our goal to mitigate that risk. With our extensive solutions throughout the various aspects of payments and commerce, we are confident in the quality and benefit that we can offer to gaming companies. 

ProbH refers to the ‘probability of harm’ and is Trust Payments’ analytical solution to protecting your business and your gambling clients by helping to ensure responsible gambling. 

Trust Payments ProbH solution will use player data to determine a score-based outcome per customer to build better customer profiles. This single, simple score will indicate the probability of harm, ranging from 0%, indicating low, to 100%, indicating high. These scores can then be incorporated directly into decision-making regarding the potential risk of certain customers. 

This scoring system enables various potential uses, such as: 

Use case



Use case

Monitor your customer base (ongoing)


Check Harm scores for all gambling clients, across every authorisation


Know Harm scores for every client & monitor changes

Use case

Make an outcome-based action during  an authorisation


Initiate a ProbH Harm score check when authorising a wallet load & generate email notifications


Get instant notifications and manage individual clients differently based on score outcomes

Use case

One–time check on a specific PAN


Initiate a check when a customer opens an account.


Understand the customers’ current risk of harm

With the implementation of ProbH, businesses can enhance their understanding of clients, individually and collectively, to recognise the patterns of those most at risk. The information secured can also enhance understanding of the company itself, and its unique risk profile. 

Furthermore, usage of these scores will enable a simple way to understand your company’s risk profile, with a daily snapshot that will be available via a Web application. With the ability to understand how our algorithm identifies negative gambling behaviours, the relative negative effects of certain customers, and digestible daily updates, your decision-making process will be driven even further with our unique and easily interpreted view of the data. 

Data usage and TRU Insight

Trust Payments allows gaming companies to store and process all their data in one place. This includes different types of data that can indicate a player is at risk of financial harm, things like, failed wallet loads, debt restructuring, sustained deposits, days active deposits, wallet load frequency, wallet load amount, amount variation, and number of betting operators. 

TRU Insight, Trust Payments’ primary analytics tool, allows businesses to retain data that they’ve gathered previously. This means that the data can be used for real-time analytics but also can be kept for historical reference or future analysis. This allows gaming companies to identify trends and patterns over time and gives visibility into the player’s journey, which can be used to improve risk monitoring.  This data can be shared throughout the business too, enabling complete collaboration between departments in an organisation. 

Having this data in one place makes it much easier for gaming companies to gain insights and make data-driven decisions to optimise their risk reduction strategy.  This allows for more efficient and accurate analysis, as employees can easily access data as it is stored in a consistent format. 

Final thoughts

In conclusion, Trust Payments has put extensive work into our solutions to ensure gaming companies have a clear awareness of their risk profile and the potential risks their customers can present. From storing and processing all their data in one place to easily analysing large amounts of data, our tools like ProbH and TRU Insight allow gaming companies to gain insights and make data-driven decisions. 

Want to learn more about optimising your risk reduction? Head over to our ProbH page. 

Security statement

Security is our top priority at Trust Payments and we strive to ensure that all data is kept secure at all times We keep all customer data safe with AES256 encryption, SSL Certificates, and a minimum of TLS1.2, between your website and our datacentres.

Our systems are scanned quarterly using the Qualys PCI Platform, an independent Qualified Security Assessor (QSA) and approved vendors – Omnicybersecurity (UK) & Forgenix (US) – to ensure compliance with the security requirements of the card schemes.

We follow a number of rigorous security procedures on a daily basis including, but not limited to, continuous monitoring of our perimeter, dark web monitoring, and internal checks to ensure that CIA triad is maintained at all times.

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