

Compliance Updates
Special Interview: A Conversation with Tom Farrell, CMO of ClearStake
Affordability is currently the word on everyone’s lips. Operators continue to face a ‘sustainability conundrum’ – they must fulfil their regulatory obligations and commitments to player protection, while ensuring their business remains profitable. For many, affordability can spell disaster, with up to 90% of customers lost when asked to prove they have the money they are wanting to spend. However, using Open Banking to carry out these financial checks as quickly as possible may be the answer to boosting retention and retaining otherwise lost revenues.
The DCMS recently published a public consultation on the UK gambling White Paper, while the Gambling Commission launched its own on financial risk checks, bringing their importance of affordability to the top of the agenda – but operators must now strike the balance between minimising harm and maximising revenue. Affordability checks that take too long risk sending customers to competitors, or worse, the black market.
One of the key remedies to the high level of churn experienced in the past is making sure financial risk checks can be carried out quickly and with as little friction as possible, so that customers can complete them with as much ease as approving a payment while online shopping. Operators have to reach a decision quickly because the longer players wait, the more likely it is they will go elsewhere while they’re waiting.
Of course, there are some people who under no circumstances will share financial data with someone like a gambling operator. There’s also a group of people who won’t share data because they know they are gambling beyond their means. This is of course the system working as it should and that’s a good thing. But there’s a third group of people for whom it’s too much effort. They’re asked to provide bank statements, at which point they go to a competitor, as the hoops they have to jump through are not worth it.
For a customer using Open Bank technology, such as ClearStake, what used to involve downloading and printing bank statements and a wait while the operator reviews the data, now takes just 30 seconds and a few clicks. A decision is recommended to the operator immediately and theoretically, the whole process can take less than a minute. Players click a link, and they are taken to a super slick and simple process where they press a couple of buttons and the relevant financial data is shared securely. They are always in control of their data and they can revoke permission at any time.
Our software categorises every transaction and we can calculate whatever the operator wants to see. It could be disposable income, net gambling spend, total income, or current balance on the account. Our software can also evaluate the rate of change so operators can see accelerating gambling spend or consistently declining savings and work out if the player’s gambling activity is still within the safe bounds of their current financial position.
Without responsible gaming and Enhanced Due Diligence (EDD) checks, gambling risks being over-regulated out of existence as the product will become unprofitable. To answer the sustainability conundrum many operators face, we need to find a middle ground. Sustainability means not letting people spend beyond their means. It means letting people have a bet if they can afford to, while not taking more money than they can spend.
Over the last two or three years, the Gambling Commission got strict on affordability checks. They asked operators how they know someone could afford to lose ‘x’ amount. The White Paper effectively agreed with the Gambling Commission and has clarified that if someone is losing £2,000 in the space of three months or £1,000 in one month, operators should be confident about the player’s financial situation. The headline was that affordability and EDD checks should be taking place.
This discussion around affordability is not only limited to the UK, and we are seeing lawmakers and regulators in several other countries considering measures in this area.
The industry therefore needs to be proactive as the problem will never go away if it keeps allowing people to bet money they don’t have. In the public mind, gambling will have the same fate as cigarettes which are currently being regulated out of existence.
Adam Fonsica Co‑Founder & COO at Random State
Random State obtains Ontario iGaming licence

Random State (“RS”), the Swedish studio behind next‑generation iLottery and multiplayer bingo content, has been granted a Gaming‑Related Supplier – Manufacturer licence by the Alcohol and Gaming Commission of Ontario (AGCO). The approval, effective 14 May 2025, authorises RS to offer its games and platform services to licensed operators across Ontario.
“Securing the Ontario licence is a milestone our entire team has worked tirelessly toward,” said Adam Fonsica, Co‑Founder & COO at Random State. “Ontario not only validates the quality and integrity of our technology; it provides a launchpad for our broader North‑American expansion. We can’t wait to introduce our eInstant titles and multiplayer bingo hub to Ontario players later this year, together with a soon‑to‑be‑announced operator.”
The licence clears the way for RS to roll out its full product portfolio in Ontario:
Interactive eInstants – instant‑win games that re‑imagine traditional lottery mechanics with modern gameplay and rich visuals.
Multiplayer bingo – a complete suite of 90-, 75-, 80/60/40‑ and 30‑ball variants, featuring progressive jackpots, Pot Booster and real‑time chat hosting.
Turn‑key iGaming platform – advanced Player Account Management (PAM), certified RNG, gamification engine and a WYSIWYG game‑configuration tool that lets operators launch new games in minutes.
Random State expects its first Ontario go‑live in Q3 2025, delivering both eInstants and multiplayer bingo on day one.
The post Random State obtains Ontario iGaming licence appeared first on Gaming and Gambling Industry in the Americas.
Compliance Updates
Missouri Officially Begins Accepting Applications for Sports Betting Licenses

The Missouri Gaming Commission (MGC) has announced that it has officially begun accepting applications for sports betting license.
The Commission made the announcement following the unanimous approval of a resolution drafted Tuesday that approved the licensing process. The resolution passed after Gov. Mike Kehoe’s office reviewed it.
The licensing period opens roughly six months after Missouri voters narrowly approved a constitutional amendment legalizing sports betting. The measure passed by less than half a percentage point, with a margin of less than 7500 votes.
According to the amendment, the state’s sports betting sector has to be ready to launch by Dec. 1, 2025. Operators will pay a 10% wagering tax, which will mostly go toward funding education programs throughout the state.
The delay in setting up the licensing system was largely due to the new Secretary of State Denny Hoskins. Hoskins publicly opposed sports betting when he was in the Missouri state legislature. In February, he denied the Commission’s attempt to accelerate the process.
Regulators and sportsbook operators hoped the sector would be up and running in time for the NFL season’s start in September. That won’t happen now, as licensing rules don’t take effect until Aug. 30, leaving insufficient time.
Missouri license applications have two deadlines. The deadline for the two proposed “untethered” sportsbook licenses, known as Direct Mobile Licenses, is July 15. The companies that applied will have a hearing on Aug. 13, and the successful applicants will be announced on Aug. 15.
The other retail and mobile licenses have a longer application window until Sept. 12. Although licensing rules don’t officially take effect until the end of August, the Commission opened applications at this stage to give applicants time to prepare their paperwork.
All 13 of the state’s casinos and excursion gambling boats may apply for licenses to offer sports betting, and all six of Missouri’s pro sports teams will be allowed to host retail sports betting outlets at or near their stadiums.
Prior to the opening of license applications, the MLB team St. Louis Cardinals partnered with sportsbook bet365 to become the team’s official sports betting partner. The collaboration grants the operator access to a sports wagering license when the market opens at the end of the year.
The post Missouri Officially Begins Accepting Applications for Sports Betting Licenses appeared first on Gaming and Gambling Industry in the Americas.
AGCO
AGCO calls on media platforms to step up the fight against unregulated online gambling sites

The Alcohol and Gaming Commission of Ontario (AGCO) has contacted more than a dozen traditional and digital media platforms, calling on them to stop promoting unregulated online gambling and sports betting sites like Bodog to Ontario residents.
Operated by Il Nido Inc., Bodog is an offshore operator actively targeting Ontarians by advertising on popular traditional and digital media platforms. Despite blocking players in Quebec and Nova Scotia from accessing their unregulated gambling and sports betting sites, Bodog continues to allow Ontarians to access these sites while advertising heavily on traditional and digital media platforms targeting Ontarians.
Under the Gaming Control Act, 1992, Bodog and other online gambling sites are required to register with the AGCO and sign an operating agreement with iGaming Ontario in order to operate in Ontario. Ontario’s regulated igaming framework requires operators to meet comprehensive requirements related to game integrity, player protection, anti-money laundering and information privacy. Bodog’s efforts to direct Ontarians to unregulated gambling undermine player protection and other safeguards which exist in the regulated market, as well as fair market principles.
By airing ads for Bodog and other unregulated operators, legitimate media platforms are providing a veneer of legitimacy to unregulated and high-risk sites and creating confusion for Ontarians. The AGCO is therefore calling on these platforms to take a stand against the promotion of unregulated online gambling sites and remove the ads. By doing so, broadcasters and digital media companies will help reduce the risks these sites pose to Ontarians and support the long-term sustainability of Ontario’s regulated igaming market – all key objectives of the AGCO.
The AGCO will continue to work with its partners – both in Ontario and internationally – to combat these unregulated sites and protect the public.
“The AGCO is committed to protecting Ontario players and ensuring they have the safest experience by playing on regulated igaming sites. By refusing to carry advertising from unregulated and high-risk operators like Bodog, media organizations can exemplify social responsibility and play an important role in protecting Ontarians and supporting Ontario’s regulated market.” – Dr. Karin Schnarr, Chief Executive Officer and Registrar, AGCO.
The post AGCO calls on media platforms to step up the fight against unregulated online gambling sites appeared first on Gaming and Gambling Industry in the Americas.
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