Events MONTE-CARLO EUROMAT Summit 2018

displays a unique QR code. Te player scans the QR code using their mobile phone, and the amount chosen is debited from the vWallet and credited to an account operated by G-Squared. Once the player has finished their gaming session and wants to cash out, they then chooses to recredit their vWallet.

Te issue with any vWallet system in the UK gambling market is that the Gambling Commission considers a break in play to be a basic harm minimisation safeguard that applies across the board, including to innovations. Tis is because it provides the player with the opportunity to consider whether he/she wishes to continue to play and spend more. Going one step further, the Gambling Commission is known to consider its own regulatory policy, and this essential safeguard, to be more important than the letter of the law.

Does the process of adding more funds via the App and scanning a new QR code form a meaningful break from gambling, given the ease of use of vWallets and mobile phones? It’s a question that needs to be answered by the Gambling Commission, but due to the fact that the player is not required to leave the gaming machine at any point in the process (though a prompt to do so could be implemented by the supplier), this could prove a sticking point, as it appears designed to minimise the interruption and streamline the player experience to make his journey quicker and easier.

Aside from the known quantity that is TITO in Adult Gaming Centres, there are two alternative payment solutions being proposed for UK single sites, pub and club sectors; the first from Reflex Gaming and the second from G-Squared Games, both well known gaming machine providers to the UK gaming sector and both utilise the vWallet system. Te Reflex solution, PlayPass, uses TITO with a PayPad, whereby a contactless payment is accepted using the PayPad at a separate terminal within the location, but which is part of the PlayPass device. A player loads funds onto the PayPad, which uses a TITO device to print an encrypted ticket to ‘carry’ the funds. Te ticket is inserted by the player into a gaming machine and at the end of their play session, a ticket is printed by the gaming machine that can be redeemed at the PayPad, with the funds credited to the original debit card.

Alternatively, G-Squared Games's Playgo App works as a virtual wallet on smartphone devices. It can be downloaded from the iOS App or Google store through which it is possible for players to link the App to their bank account or debit card. Te vWallet is loaded up with cash and as the player approaches the gaming machine they press an on-screen button to opt for payment using the vWallet. Te player chooses how much to transfer to the gaming machine, subject to a daily maximum, whereby the gaming machine

Te anomaly right now is that gaming machines in book-makers are adapted to accept debit cards and have been since the Gambling Act 2005 came into effect. Customers walk up to the counter, ask an attendant to put up to the maximum £250 onto a machine, they validate the transaction through chip and pin, and the money is transferred to the machine within the venue. Te Gambling Commission is comfortable with this because there’s human intervention at the chip and pin station. Te person at the counter verifies that the player is over 18, they can assess how many times a player requests a money transfer, and can ask questions of the customers regarding their behaviour etc.

So machines in bookmakers are already adapted to take payment via debit card. Te Gambling Commission has acknowledgment that this is working in the bookmakers and there’s an argument that single sites and AGCs should follow suit. If you enter an Adult Gaming Centre or Bingo Hall in the UK, there are now payment stations where you enter your chip and pin into a TITO dispenser. Users collect their ticket, play the machines and take any winnings back to the TITO station to redeem their ticket for cash - not back to their card. Recently, bingo and AGC operators have added contactless payment options to their Payments Stations, so that players can pay £30 directly from a card to a TTITO ticket and play in the same manner.

Te problem with this system is that people paying in cashless forms must exit the venue with cash, as they can’t transfer money from a ticket directly to a bank account. In a contactless sense, drawing money from a card onto a TITO ticket is not a big deal. However, depositing money from a ticket into a bank account is

Playgo App - G-Squared Games

Playgo, which was due for UK launch on April 16th, is the first mobile payment solution of its kind. The app-based system enables users to seamlessly transfer funds to and from a gaming machine using their mobile device.

The app is free to download and will be available for both iOS and Android platforms. Once downloaded, the user can create an account and deposit funds into that account via their debit card. Gaming funds are then transferred by simply scanning a QR code on the machine the user wishes to play. Pressing collect on the machine moves any winnings or residual credit back to the users Playgo account which, in turn, can be withdrawn to their bank account. The system boasts numerous advantages over other payment systems. Firstly, Playgo can be retrospectively fitted to any gaming machine at a fraction of the cost of TITO systems. Alternatively, direct integration into digital platforms can eliminate the hardware cost entirely, as the system can be installed exclusively through software.

Secondly, Playgo is the most progressive system for land-based gaming in terms of regulatory compliance. Playgo offers meaningful player protection methods as well as the option for anonymised tracked play. Users can set deposit limits, time warnings, cool off periods and even have the option to self-exclude. The app features a host of responsible gambling information including direct contact links to gambling helplines and charities.

Playgo is an exciting APS that could fundamentally change the way users interact with gaming machines. The system has been highly praised as it serves the needs of both operators and regulators whilst offering players the convenience of cashless play. Being platform agnostic and not prohibitively expensive, mass scale adoption is feasible, practical and beneficial to the industry as a whole.


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