Affordability Solution for Gaming - Gain a deeper understanding of player affordability to make smarter, more accurate robust decisions - TransUnion

Affordability
Solution
for Gaming
Gain a deeper understanding of
player affordability to make smarter,
more accurate robust decisions

With a changing economic outlook, as well as increasing regulatory requirements
of robust affordability checks and fair treatment of vulnerable individuals, safely
acquiring new players and strengthening existing relationships has never been
more important.

Leading the way in affordability
We’ve combined our expertise in affordability with our deep knowledge and understanding of
the gaming sector to build a dedicated solution. Launched in 2019 our Affordability Solution for
Gaming uses cutting-edge modelling and analytics to provide a simple, transparent solution
which helps you protect your business and players while supporting your compliance strategies
and regulatory requirements.

Our solution uses individual-level financial data and industry recognised scores built by
TransUnion — along with socio-demographic data and property data — to assess new players in
real-time, it will help you gauge the financial stress and vulnerability of your players throughout
the customer journey, with minimal impact to the customer experience.

NEW 2021 Income Model Enhancement
Make your affordability decisioning even more robust by adding our new enhancement that
utilises income modelling variables to provide even deeper insights and understanding on your
players income.

Choose which player declared incomes you want to verify, then we’ll built a custom model with
a comprehensive and extensive set of publicly available data variables and combine them with
our confidence factors to create tailored and more informed affordability decisioning which
seamlessly integrates with the affordability solution for gaming solution.

©2021 TransUnion International UK Limited. All Rights Reserved.

Gain a deeper
understanding of what
your customers can
truly afford to play with:
        Red, Amber or Green status to understand the potential risk level of a player’s profile.
  → Fairer Customer Decisioning — receive granular-level data which shows how and why
		   that decision was made, enabling you to validate the reasoning behind the strategy,
		 and provide a clear audit trail.
  → Deploy the solution at the most appropriate stage of the customer lifecycle with our
		 single API — at registration, deposit, withdrawal, or when a player hits any deposit or
		 loss trigger.
  → Use behavioural and transactional data — such as playing time or deposit and loss amounts
  — to gain better insight on players through a dynamic and predictive tool.

Fully configurable solution
Our solution uses real-time data to provide operators with the most up-to-date view of their
players. This approach provides optimal results over time.

Affordability Solution for Gaming uses market-leading data assets, including:
        → Comprehensive data coverage in the UK market
        → A series of economic and bad debt indicators
        → Demographic and income sustainability indicators

       Credit Search                           Adverse Credit       Income                  Geodemographic
       Activity                                Activity             Model                   Models
       A proxy for debt                        Evidences previous   Modelled postcode       Postcode level
       levels/ credit appetite                 bad debt, past       level (standard)        household composition,
       including short-term                    affordability        or individual level     life-stage and local
       lending demand                                               (enhanced) net income   economic conditions
       (searches)                                                   (salary, pension and    (income sustainability)
                                                                    benefits after tax)

For even deeper affordability insights, our income bands utilise a comprehensive and extensive set
of data variables comprised of earnings data, income surveys and our proprietary life-stage and
affluence data. This enables operators to make more accurate affordability decisions and determine
how much customers can really afford to play with, dictating deposit or loss thresholds and
responsible gambling practices resulting in improved player protection.

©2021 TransUnion International UK Limited. All Rights Reserved.

Red, Amber and Green risk assessment
Each assessment is given a Red, Amber or Green status which clearly shows the potential risk level of
a player’s profile based on parameters set by your business.
An index score of 1 to 20 is attributed to each player, indicating their affordability or propensity to
suffer financial hardship.

Simply built, clear and auditable rules
TransUnion has developed a standard and an enhanced rule set which transparently demonstrate
why and how decisions where made.
For example:

  03        Active CCJs with value > £1000 and CCJ within the last 6 months

  04        Gauge Public score < 520 and Affordability View in "01", "02", "03", "04" or "05"

  12        Same person not on current ER and Gauge Public score < 560

       Why Betway chose to partner with TransUnion for their Affordability checks:
       "At Betway we strive to create the safest possible environment for our customers and we see
       affordability checks as a vital component. We have chosen TransUnion, best suited for the gambling
       industry, to assist us in ensuring our customers only bet what they can afford. TransUnion offers some
       of the most advanced global technologies and analytics on the market and their understanding of the
       gambling industry impressed us. By working closely with TransUnion, we are able to make informed,
       data-driven decisions."
       Betway, December 2020.

To find out more about Affordability Solution for Gaming get in touch.

       LEARN MORE
       TransUnion’s Affordability Solution for Gaming helps you to make smarter decisions for
       responsible gaming, through a deeper understanding of your customers.
       Isn’t it time you found out how it could help your business?

       CALL                                       VISIT
       +44 (0) 113 868 2600                       www.transunion.co.uk

Copyright © TransUnion International UK Limited, registered in England and Wales with company number 3961870.
Registered office: One Park Lane, Leeds, West Yorkshire LS3 1EP. Authorised and regulated by the Financial Conduct Authority.
21-1329731