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Affordability checks you can count on

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Proactive compliance

Stay ahead of the latest gambling regulation including new UK Gambling Commission requirements for light-touch financial vulnerability checks..

Custom filtering

Configure player protection alerts based on your risk appetite to free up time for your team, only alerting them to investigate when required.

Better player experience

Remove friction from the player experience by plugging into automated insights on bankruptcy, CCJ, IVA, HCJ, AO, and DRO.

End-to-end safer gambling

Combine with application data, geo-affordability, mortality, derogatory financial score, and property insights to build a full picture of your players.

"Over recent years, operators have been urged to review and update their policies, procedures and controls for combating money laundering considering the latest guidance with various gambling regulations. With W2 by FullCircl providing our AML screening and monitoring solution, we can identify potential risks faster and take remedial action whilst reducing unnecessary false positives."

Geoff Maggs
Director of AML at Entain
affordability gambling checks
Affordability Capabilities

Build a full risk profile of your players

With new gambling regulations being introduced in the UK, coupled with a global concern of problem gambling, the importance of responsible gambling and protecting your players is only increasing.

How FullCircl Helps 

Financial vulnerability

Access publicly available records for bankruptcy, CCJ, IVA, HCJ, AO, and DRO, including the ability to customise filtering to only notify your team when a risk profile matches your thresholds.

Application data

Gain information on 2.5m (44%) of the most financially vulnerable consumers in the UK, using data from high-cost, short-term loan enquiries.

Geo-affordability

Group public and demographic data summarised at postcode level, categorised into derogatory data, lifestyle classifications, and vulnerability markers.

Mortality

Containing details of around 12 million deceased individuals (85% of all UK deaths) verify if information provided during account opening is potential fraud.

Derogatory financial score

Comprising numerous public data derived characteristics using electoral roll, CCJ, and postcode statistics, receive a likelihood to default score for your players.

Property insights

Delivers insights into a consumer's residential circumstances, including the type of property they live in, its rental history, and associated data.

Affordability Capabilities

One-stop-platform for due diligence

Whilst financial risk checks form a key part of due diligence for gambling operators, FullCircl's comprehensive suite of identity verification solutions can also transform your compliance and verification processes. Combine services or use in isolation for maximum control over your compliance stack.

How FullCircl Helps 

KYC checks

Reduce drop-offs and satisfy customer due diligence with automated, real-time KYC checks and plug-in to 40+ data services including Credit Reference Agencies (CRAs), electoral data, telco, and failover and waterfall functionality.

AML software

Access global Politically Exposed Persons (PEPs), sanctions, adverse media, and watchlist data on businesses and directors through leading AML software.

Document verification with facial comparison

Authenticate customers globally with biometrics powered document verification, providing your customers with a frictionless, faster onboarding journey.

gambling customer due diligence
Features

FullCircl financial risk capabilities

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Light-touch financial vulnerability

Access publicly available records for bankruptcy, CCJ, IVA, HCJ, AO, and DRO. Customise filtering options to only notify your team when manual intervention is required.

Application data

Gain access from 2.5m (44%) of the most financially vulnerable consumers in the UK, using data from high-cost, short-term loan enquires.

Geo-affordability

Group public and demographic data summarised at postcode level, categorised into derogatory data, lifestyle classifications, and vulnerability markers.

Mortality

Containing details of around 12 million deceased individuals (85% of all UK deaths), verify if information provided during account opening is potential fraud.

Key Features

Prospector
News
Daily email alerts

Group structure
Engagement signals
Ultimate beneficial owner

Derogatory financial score

Comprising numerous public data derived characteristics using electoral roll, CCJ, and postcode statistics, receive a likelihood to default score for your players.

Property insights

Delivers insights into a consumer's residential circumstances, including the type of property they live in, its rental history, and associated data.

KYC & AML screening

Securely onboard new players with KYC, AML, and document verification checks in over 246 countries & territories.

Fraud prevention tools

Leverage an array of anti-fraud tools including email risk assessment, address lookup, bank account verification, salacious names, and more.

Country coverage

Our identity verification service encompasses data from around the globe. Wherever you plan to grow your business, rest assured FullCircl has you covered.
246
countries & territories
365m
entities
99.9%
uptime
300m
checks per month
6000+
documents supported
2.3bn
API calls annually

See our affordability checks in action

Experience W2 by FullCircl's capabilities first hand. Sign up for a demo today and see how FullCircl empowers your business to stay ahead of emerging regulation, keep players engaged, and avoid penalties and suspensions..

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Learn about affordability for gambling

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Feel free to ask us questions at hello@client-first.com

What is the gambling regulation review?

The gambling regulation review assesses existing laws, including the Gambling Act 2005, to ensure they address current industry practices and protect consumers, promoting responsible gambling and minimising harm.

What are gambling affordability checks?

Gambling affordability checks assess a player's financial situation to ensue they can gamble without experiencing significant financial harm, promoting responsible gambling practices. In the UK, new affordability checks are coming into effect which will assess public data on bankruptcy, CCJ, IVA, HCJ, AO, and DRO.

What does safer gambling mean?

Safer gambling involves practices and measures aimed at reducing the risk of harm to players, including setting deposit limits, self-exclusion options, and access to support services such as GamCare.

What is KYC in gambling?

Know Your Customer (KYC) in gambling is a process used by operators to verify the identity of players at the point of account opening, ensuring they meet legal age requirements and preventing fraud and money laundering..

What does the gambling act do?

The Gambling Act regulates all forms of gambling in the UK, ensuring operators are licensed, games are fair, and vulnerable individuals are protected from gambling-related harm.

Do credit checks look at gambling?

Credit checks typically do not include specific gambling activity. However, certain lenders, such as during a mortgage application, may consider gambling transactions if they impact your overall financial health and creditworthiness.

How common is problem gambling?

Problem gambling affects a small percentage of the population, but its impacts can be severe. Approximately 3% of gamblers are identified as engaging in at-risk or problem gambling leading to issues that affect their personal, financial, and social well-being.

Is gambling a risk for money laundering?

Yes, gambling can be a risk for money laundering. Criminals may use gambling platforms to clean illicit funds, which is why strict AML regulations and monitoring are essential to prevent financial crime.

Features

FullCircl sales intelligence tools capabilities

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Enhanced company prospecting

Use our complex firmographic search filters to match key prospecting criteria on over 5 million companies.

Advanced company monitoring

Monitor changes in customer information and circumstances to help you anticipate their needs and enable value based selling.

Automated engagement triggers

Receive alerts about critical changes to your customers and the Next Best Actions to take on an account.

Daily email news
alerts

Receive daily email alerts providing meaningful reasons to engage with customers and prospects.

Key Features

Business media aggregation

Access news aggregation from over 50,000 data sources, providing contextual reasons to gain first mover advantage.

Pre-qualification screening

Identify prospects appropriate to your ICP by filtering company size, revenue, geography, industry, credit & risk, and more.

Normalised financial information

Filter companies by 20+ different financial fields including net worth, turnover, profit, cash and bank, and more.

Contact data intelligence

Leverage natural language processing and graph based processing techniques to supercharge your sales software stack.

Prospector
News insights

Pre-qualification screening
Normalised financial information
Up-to-date credit and risk data