Pre-Market Engagement - Financial Transactions Data (26-025)

The Gambling Commission is commencing pre market engagement to inform the potential procurement of a financial transactions dataset.
The purpose of this engagement is to:
- Understand market capability to provide financial transactions data
- Understand market capability and approaches to identify gambling transactions within a complex financial transactions dataset
- Understand possible models for data access
- Explore indicative cost models
We are interested in hearing from organisations that can provide a large, ongoing, dataset of British adult residents’ anonymised financial transactions data.
This dataset must include:
- Delivery at the level of individual transactions, with everything required for us to build the metrics that we need, such as the date and time, the amount, running balance, merchant name and description.
- Classification into Merchant Category Codes (MCC) or some other appropriate classification system. From our previous work using Open Banking data, we know that gambling is particularly difficult to identify, so prospective suppliers must either be able to demonstrate that they possess a state-of-the-art gambling identification algorithm or be willing to share the data with a third party for the purposes of gambling identification.
The solution may also include the following desirable attribute:
- Demographic and other information about each individual. This should include age and gender. It could also include a measure of gambling harms such as the Problem Gambling Severity Index (PGSI) or a measure of financial wellbeing such as their credit rating. Each anonymised individual must be associated with a unique identifier so they can be tracked over time.
The Gambling Commission encourages interested organisations to engage with our Expression of Interest request.