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Betting on Safety: How AI can Power Responsible Gambling Programs

Betting on Safety: How AI can Power Responsible Gambling Programs

Artificial intelligence–commonly known as AI—is increasingly becoming a part of everyday life. We may think of its use in facial recognition apps, health care applications and even in a routine Google search, but what about its potential in problem gambling prevention and diagnosis?

Phil Sherwood, senior director of Responsible Gambling at PrizePicks, feels that AI can be a boon to responsible gambling programs and shared his perspective in a presentation to the MNAPG board in January. 

What is AI?
AI is defined as the simulation of human intelligence in machines. It employs machine learning and language processing to automate tasks, enhance decision-making and boost efficiency.

Historic Use of AI
Gambling operators have been using AI for a long time to boost profits. It’s been used to improve marketing and to produce emotional appeals to specific customers, ultimately getting players to play more and more aggressively. AI has also been used to help gambling operators poach business from other operators.

Why use AI in Responsible Gambling Programs?
There are many reasons to employ AI in responsible gambling programs. Perhaps most importantly, AI can detect early signs of problem gambling, especially considering that more gambling and gaming is being done online. There is more data to access, such as time spent gambling, amount of money spent and other forms of gambling an individual might be involved in.

AI also enables personalized, real-time interventions. For example, if a player is exhibiting specific symptoms of problem gambling, the platform can send a personalized notification alerting them to risky behaviors or simply to make them more aware of their play. This notification might also suggest the responsible gambling tools that are available.

Another advantage of AI is that it reduces reliance on manual monitoring of a gambler’s behavior and allows for 24/7 oversight. With so many transactions available for analysis, a properly programmed AI system can identify potentially harmful behavior much better than humans.

AI-Driven Tools for Player Protection
AI can be used to protect players in several ways. It can identify risk behaviors such as loss-chasing and binge gambling. It can provide real-time alerts when it flags sudden changes that suggest immediate review. And it can also empower players gauge their own risk through gamified self-assessments in which they complete questionnaires. The gamified aspect may make players more receptive to the information that’s provided to them.

Interventional Levels Based on AI Insights
AI can suggest interventions commensurate with risk levels it assesses. For example, a system could address low-risk behaviors with basic pop-up reminders or session time limits. When a player exhibits moderate risk behavior, such as using different credit cards to gamble, the system can provide more tailored advice or impose or suggest temporary timeouts. When AI detects behaviors considered high-risk, it can instigate personalized care calls, exclusion options or even refer a customer to online behavioral counseling.

The U.S. is Behind in Use of AI
Phil noted that some operators, particularly those outside of the U.S. and those subject to regulations requiring the use of AI to monitor behavior, are incorporating AI to monitor player behavior and encourage player safety. However, he expressed concern that the U.S. is fearful of AI and that it’s use is discouraged, something he says would be an egregious mistake.

Challenges and Considerations in AI Implementation
While AI appears to hold considerable promise in protecting players from harm, there are challenges in its implementation. Some of those include privacy concerns (ensuring responsible use of player data), regulatory compliance (aligning AI tools with different jurisdictional standards) and the need for continuous improvement (models need regular updates based on evolving behaviors and research).

The Future of AI in Responsible Gaming and Problem Gambling
Looking ahead, Phil sees increased realization of the potential of AI with additional automation of support options for at-risk players, more predictive modeling for early intervention and standardization across operators for greater impact

“There will be so much innovation that comes from AI,” says Phil. “It’s evolved so much, even in the last year. I think the biggest things that will come from AI are things that we haven’t even thought of yet.”

In Their Own Words – Judy’s Story

In Their Own Words – Judy’s Story

When I look back on the ups and downs of my struggle with compulsive gambling, I sometimes think back to the first time I was bailed out of my debt. When my parents learned about my gambling problem, they asked how much I owed. They subsequently paid off my debts, and while that solved the immediate anxiety I had about money, it did nothing to help me with a gambling problem that I would struggle with for the next 20 years.

There was no history of gambling in my family. While I remember cake walks as a kid, when you might win something, and the times my grandmother would let me deposit a ticket for a raffle, that wasn’t anything serious. I also remember my father placing minimal bets on horses at Ascot, but I was just thrilled to be there and couldn’t have cared less about betting.

My compulsive gambling started after I went with my friends to casinos around 1990. This was when gambling became more available as casinos opened on reservations. It was probably about three years later — when I’d taken time off for surgery, didn’t want to be home for any work calls and started going to casinos for an escape —that I started to gamble compulsively, though I didn’t recognize it as that at the time.

At first, at the casinos, I generally played cards but at some point I moved to playing the machines. They were faster paced and I found them more exciting. Eventually, I started going to the casinos more often, usually alone, and would gamble more each time.

This was also at a time when it was easy to get credit cards and I quickly racked up a lot of debt taking cash advances on credit cards. Eventually, it became difficult to pay my bills. Shortly thereafter, I became depressed and started to have suicidal thoughts. As I drove around the Twin Cities, I’d look at a bridge abutment and think that I could drive into it and that nobody would ever know about my gambling behavior. But I figured if I didn’t kill myself, things would just be worse.

The suicidal thoughts spurred me to seek help. I met with a behavior health professional, who suggested I attend a Gamblers Anonymous (GA) meeting.  At the time, I had no idea there was such a thing as a compulsive gambler. I remember breaking down and crying at my first GA meeting appreciating how sympathetic and empathetic everyone was. They encouraged me to keep coming to meetings.

It was at this time when my parents learned of my gambling problem — and gave me money to settle outstanding debts. Yet even with the bailout, my getting professional help and attending GA meetings on and off, I continued to gamble — and continued to rack up more and more debt.

By 2007, my employer became wise to my manipulation of expense reports so that I could pay off my increasing debt. It was embarrassing to confess what I’d done, particularly given that I was an expert at my job and had a reputation for being responsible and never doing anything wrong. I ultimately quit my job in lieu of being fired. A friend drove me to Vanguard Center for Gambling Recovery two days later. I went back to GA for a year and participated in monthly meetings at Vanguard. I stayed away from gambling for a year.

But by the next year, I was back to gambling and not going to GA meetings. Over the next few years, things worsened. I kited funds until the banks caught up with me. Creditors came after me and, along with the IRS and the state of Minnesota, garnished my wages. My townhouse was foreclosed in 2012, and I began dipping into my 401K to make ends meet.

By 2015, I’d lost track of who I owed what, and I wrote a bad check at a casino. Rather than being prosecuted I was ordered to attend a budgeting class. I remember really wanting to tell the judge that I didn’t have a budgeting problem, but a gambling problem!

MNAPG Partners with LSS Financial Counseling

MNAPG Partners with LSS Financial Counseling

Perhaps no other addiction damages one’s financial resources as much as gambling disorder. Indeed, the ability to regain financial health is a critical aspect of recovery from the addiction.

Recognizing the unique interplay between financial discipline and gambling recovery, MNAPG is excited to share a new and valuable resource for those experiencing issues from gambling — whether for the gambler or a family member affected by the gambler’s behavior. Starting in October, MNAPG began offering specialized financial counseling through the Financial Choice services of LSS Financial Counseling.

This joint effort pairs the financial expertise of LSS counselors with the problem gambling awareness training offered by MNAPG. Those who take advantage of this service will meet with a financial counselor who understands how gambling can negatively impact an individual or family’s finances.

This benefit provides access to six free and confidential financial counseling sessions. These sessions provide the guidance and support needed to address financial challenges brought on by problem gambling and to chart a path forward to financial stability.

The experienced and non-judgmental counselors at LSS Financial Counseling can help:

· Assess one’s current financial situation

· Create a personalized budget and debt management plan

· Develop strategies to avoid future financial pitfalls

· Set and achieve long-term financial goals

Sessions are available in person, by phone or online — whichever is most comfortable. Those interested in taking advantage of this free service should contact LSS Financial Counseling at 800-528-2926 and mention assistance for problem gambling to schedule an appointment. LSS Financial Counseling is an experienced nonprofit, full-service credit counseling agency.

Upcoming Conference Opportunities — Save the Date

Upcoming Conference Opportunities — Save the Date

Minnesota Conference

The Minnesota Conference on Problem Gambling takes place on Thursday, Sept. 19 at the Hilton Minneapolis/Bloomington. While we’re still finalizing the day’s sessions, here are some topics we plan to cover:

  • The intersection of gambling and suicide
  • Financial counseling for families
  • The impact of gambling on families
  • Community leader panel discussion about gambling
  • Update on sports betting legislation
  • National gambling attitudes survey results

 

Please check mnapg.org in the coming months for additional information about the conference as we solidify the agenda.

 

National Conference

The National Conference on Gambling Addiction & Responsible Gambling takes place in San Diego on July 17-19. The conference brings together world-class presenters to deliver powerful and insightful messages about problem gambling and responsible gambling. For more information and to register, visit ncpgconference.org.

NCPG Modernizing the National Problem Gambling Helpline

NCPG Modernizing the National Problem Gambling Helpline

The National Council on Problem Gambling (NCPG) is making significant improvements to the National Problem Gambling Helpline. The changes are expected to provide consistent standards across participating states and provide insights into those calling the helplines, ultimately making help more accessible to people in need of problem gambling information and support services.

There are four primary aspects to the modernization project, which began in 2021. The first was establishing a national helpline number, 1-800-GAMBLER, something that was initiated in 2022. The single national number means a reduction in the number of state helpline numbers that need to be listed in national gambling ads. It also ensures that anyone living in participating states will be automatically routed to their local state helpline when I dialing 1-800-GAMBLER.

The second part of the project is upgrading the technology. This involved improving telephony and routing systems, synchronizing text and chat data collection forms, and ensuring access to language translation for services for all contact centers within the National Problem Gambling Helpline Network. While this work isn’t flashy to the public, it ensures that everyone gets connected to their contact center efficiently and effectively, and that language is not a barrier to care.

The third portion of the project involves working with the 27 contact centers that comprise the network to help each one grow, standardize communication and training, and ensure the centers obtain accreditation with the appropriate governing body.

The final aspect of the project relates to data collection. NCPG is working with the various contact centers to get permission to gather specific helpline data. This will provide insights into trends about callers using the service and the reason for their call, ultimately allowing NCPG to better support advocacy efforts at the national and state levels.

NCPG’s Helpline Committee has developed more than 15 data points they’re seeking to obtain from the contact centers. Some of the information includes who is calling the helpline (family member, individual who gambles, etc.), the kind of gambling that has caused problems (sports gambling, lottery, etc.), and the type of referrals made (to treatment, to peer support, warm transfer to crisis services, etc.).

“This information will allow us to identify and forecast trends, which will inform state and national advocacy efforts,” says Jaime Costello, director of programs for NCPG. “For example, if we see that peer services are becoming a more common referral option, we’ll be able to help the states advocate for more resources. Data strengthens advocacy efforts.”

NCPG hopes to complete the initial stages of the National Problem Gambling Helpline Modernization Project by the end of the year and is hoping to extend the work beyond 2024. NCPG is seeking to secure additional or extended funding to ensure that the project can be continued through to completion. Funding for the National Problem Gambling Helpline Modernization has been provided by the NFL via the NFL Foundation.

 

Note: Minnesota will continue to advertise its own helpline number 1-800-333-HOPE (4673) for in-state messaging. If sports betting is approved, the NCPG helpline number will be used in ads to eliminate the need to have multiple numbers printed. Regardless of which number a Minnesotan calls, they will be connected to the state’s help center vendor.

Behind Every Number, There’s a Story

Behind Every Number, There’s a Story

Note: The following article was written by Bill Stein, MNAPG staff writer, for this year’s Problem Gambling Awareness Month theme: Every Story Counts.

Each March, the National Council on Problem Gambling recognizes Problem Gambling Awareness Month (PGAM). It’s an opportunity to raise awareness about problem gambling and promote prevention, treatment and recovery services. This year’s PGAM theme is “Every Story Matters.”

As one who’s chronicled the gambling struggles — and recoveries — of nearly 50 Minnesotans over the last 15 years, I believe in the power of stories to bring the reality of this addiction to light and to demonstrate how treatment can change lives.

There are an estimated 250,000 problem gamblers in Minnesota. And for every problem gambler, countless other people in their orbit are affected, including family members, friends and coworkers.

But numbers are one thing. The real impact that gambling disorder has on the lives of our neighbors, our parents, our siblings and our friends is quite another.

The stories of the people impacted by gambling addiction paint a more complete, human picture of the destruction this addiction can bring as well as the triumphs of those who have faced their demons and are living full, productive, satisfying lives.

Gambling addiction is an equal opportunity disorder. Virtually anyone – men or women, young or old, and those from every religion, race and socio-economic background – is at risk for developing a gambling problem.

The stories of Minnesotans I’ve documented have reflected this tapestry. Consider these:

• A member of the Navy, who was among the boots on the ground in the Middle East, was faced with the challenge of coming home and trying to match the excitement and high-tempo routine he had become accustomed. The closest adrenaline rush he could find was gambling. He eventually developed an addiction and accompanying depression before he found the help he needed.

• “Tim” became a kind of celebrity in his town after he won $500 in a church picnic at age of seven. He chased that high of winning for 34 years. Then he entered inpatient treatment for his gambling and has since turned his life around.

• “Jean” was the gambling addict you’d never suspect. She wasn’t a video gamer, didn’t like football pools and didn’t play the stock market. She didn’t even start gambling until she was almost 50. It took being fired from her job (from stealing money to support a gambling habit) and serving a lengthy prison sentence until she confronted her addiction and began her recovery.

• “Cecelia” was five months pregnant when she learned about her husband’s gambling activity. It ultimately became such a problem that he lost his job, the couple’s only source of income. She sought help from Gam-Anon, which helps those whose lives are negatively impacted by a problem gambler. She educated herself about her husband’s gambling addiction and ultimately left the roller coaster life her husband’s gambling had caused. She is now thriving, and working to support others who have been through what she has.

• “Dick” was a self-professed straight arrow, a regular church-goer and a good family man with a well-paying job in management. But once pressures drove him to make frequent visits to the casino, things changed significantly. Dick ended up with large credit card debts and owing the government thousands of dollars in taxes.

• “Lori” rarely gambled until work stresses and unresolved childhood trauma drove her to gamble as often as she could. In time, she put gambling ahead of her home, her husband, her kids and even food for herself. Depressed and suicidal, she’d planned to end her life until an eagle swooped over her car as she took her son to visit his grandmother. She saw the eagle as a sign of hope, went online to find help and learned of the successful recoveries that others had had. She subsequently started the 30-day inpatient gambling program at Project Turnabout in Granite Falls and turned her life around.

While each of these stories is unique, they often have a lot in common. I’ve found that many of the recovering gamblers we highlight have these characteristics:

• A big win early in their life that creates a high they “chase” for years.

• Their gambling often occurs with other mental health conditions. For example, a gambling addict may also experience substance or alcohol abuse.

• They are typically either: 1. An “escape gambler” who gambles to escape life’s problems, or 2. An “action gambler” who may appear egotistical, successful and outgoing, and often prefers to play games involving skill, such as poker or sports betting.

• Relapses are often stops along the way in their overall recovery process.

There many other similarities, such as lying about money and time spent gambling, stealing to acquire money and a preoccupation with gambling. Many of the gamblers I’ve profiled have also attempted suicide, sometimes several times.

What also comes through when sharing the stories of problem gamblers is the pain they feel for what their gambling has caused others. They regret the lies they’ve told, the gift money they’ve squandered, the retirement savings they’ve spent and the way they’ve prioritized gambling over family, friends, relationships and jobs.

These are good, well-meaning people. They often didn’t know there was such a thing as gambling addiction, and if they did, they weren’t sure how or where to get help. They struggled to find other people who understood them.

In the end, after speaking to so many people, I’ve come away with great admiration for those who have turned around their lives — and great hope that the many others currently suffering from this devastating disorder can eventually become success stories of their own.

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