Mr. Barry Grant:

Briefly on financial restrictions, we already have a precedent in the Irish State on financial spending limits for gambling with the national lottery's online system. We would strongly suggest that financial limits be imposed. One of the issues with financial limits is where the national lottery essentially operates as a monopoly. It has a global 360 degree view of all the spending on its product. With dozens or possibly hundreds of licensed online gambling operators coming into the Irish market, each operator only has its view of its slice of the pie. A person could, therefore, be hitting limits with one and then going to the next. The UK is now looking at a single customer view where people would make all their gambling transactions through a third party and affordability checks could be done through that third party. That third-party organisation would have the 360 degree view of that person's spending across all gambling platforms.

Again, just as the gambling industry is constantly moving and innovating, some of the structures that would help prevent harm are also innovating.