Gaming Market Report

The Netherlands
May 2021
1 MARKET OVERVIEW
2 LICENSING IN THE NETHERLANDS
3 TECHNOLOGY REQUIREMENTS
4 SUPPORTING RESPONSIBLE GAMING
6 NEW MARKET CASE STUDY
7 A GOOD START
8 MARKET ENTRANCE

2
Market Overview
From a market shaped by legacy territory, since cooling off periods for
legislation and practices, some dating historic Netherlands targeting will
back to pre-internet times, the apply and regulations that
Netherlands is about to enjoy new mandate that everyone will start
opportunities provided by its from scratch with their player
gambling legislation in the making. acquisition will be in place.
The landscape will significantly
change with the Remote Gambling
Act ready to go live in April 2021.
Operators seeking to enter the online 17+ MILLION POPULATION
Dutch gambling market will now have 81% ARE AGED 18+
the legal opportunity to do so.
95% INTERNET PENETRATION
A multi-operator future is imagined 93% OWN A MOBILE
with many regulated gaming
operators able to apply, be licensed 83% OWN A COMPUTER/LAPTOP
and then operate in the Dutch 11+ MILLION SOCIAL MEDIA USERS
market.
4H 37MIN DAILY INTERNET USAGE
Operators are required to tackle the
Netherlands as a completely new

3
 ONLINE GAMBLING SPENDING
PER CAPITA (EURO)
Market Overview 302

Pre 2020 pandemic data from Holland Casino’s 2018 report 182 172 182 189
both regulated and unregulated recognizes four main categories:
sources shows a Netherlands Bingo, Poker, Casino, and Sports
market already growing. Betting, with the last growing
fastest.
The Dutch Gambling Authority
(KSA) has published a report A competitive regulated The Netherlands Germany France Spain Italy

projecting the regulated and environment for players will grow Source: https://www.onlinecasinoground.nl/new-gambling-act-in-the-netherlands-2021/

unregulated online gambling firmly due to:

market to reach €1.1 billion EUR
in 2024.
Their objective is to grow
licensed operators to 80%, for
the next three years.
Another perspective is offered by
Online Casino Ground and their
market estimates for 2020: 1.2
million players, €3.1 billion in
GGR, and an average player
spend of €182 per year.
• high Internet penetration;
HOLLAND CASINO (PRE-COVID) DATA
• established love of Sports
Betting;
• early Interest from big
industry names; 728.9M 1.2M
+11% GGR increase from 2019 +9.8% more guests from 2019
• safer entertainment;
• higher contribution to the
state economy. 117 EURO
+2.5% more per visit from 2019

Source: https://corporate.hollandcasino.nl
Who are the Regulators?
Established on 1 April 2012, its main
responsibilities are issuing licenses,
supervising the gambling market and
enforcing rules. It acts as a regulator
for the European part of the Kingdom
of the Netherlands. The KSA defines
its main three tasks as protecting and
informing consumers, preventing
illegal and criminal practices,
preventing gambling addiction.
The entity that bears the political
responsibility for the gambling policy in
the Netherlands. The Remote
Gambling Act, respectively the new
licensing system, falls into the
Ministry’s care and it has the purposes
to protect players against gambling
addictions and similar risks, as well as
preventing money laundering
associated with illegal gambling.
5

Current State of Affairs
The current legislation
includes the Betting and
Gambling Act 1964, and the
Betting and Gambling Tax Act
of 1961 also applies.
Secondary legislation also
targets advertising, addiction
prevention and remote
gambling.
Offline (land-based) gambling
is regulated, and the market
includes state-monopolies in
casino with 14 venues, a
state lottery, charity lotteries,
lotto, sports betting and
horse racing. Private
operators exist for slot
CURRENT GAMBLING
LICENSEES
machines in arcades, bars
and restaurants. Sector Licencee
Online (remote) gambling Dutch State Lottery
will become legal for licensed Holding Nationale Goede Doelen
operators under The Remote Loterijen
Gambling Act, approved on Samenwerkende Non-Profit
Lotteries
19 February 2019 by the loterijen
Lottovate
Senate and in force from 1
Fair Share
April 2021. Impact Lottery
Dutch gambling regulator the
De Lotto (Toto)
Kansspelautoriteit has so far Sports Betting
Sportech Racing B.V. (Runnerz)
received 28 applications from
operators seeking to offer Holland Casino (casino slot
Casinos
online gambling products in machines)
the country’s regulated Holland Casino (casino slot
market, which is scheduled Slot Machines machines), arcades, bars,
to open later this year. restaurants
6

Legal Perspectives
The Remote Gambling Act
(RGA) took effect on the 1st
of April 2021. On the 1st of
October 2021, the online
gambling market is planned
to open.
Information on the
implementation and further
interpretation of the RGA will
be provided by secondary
legislation
The Central Exclusion
Register (CRUKS), will also
enter into force on 1st of
October 2021. This register is
to ensure that once a player
KEY REQUIREMENTS
for licensees in the Netherlands
chooses to self-exclude, they
will be able to do that across
all licensed operators. Be connected with CRUKS, the
centralised player registered
B2C operators will also be
fully responsible for ensuring based on social security numbers
that B2B software suppliers
are compliant with the law. Meet strict regulations on
marketing and promotions
Operators that have
previously targeted the Dutch
gambling market won’t be Perform mandatory age checks
immediately eligible to apply
for a license; instead, they and other KYC procedures
will be subjected to a
“cooling-off” period and Participate in the CDB (control
required to purge unlicensed data base) of KSA, a tool to
customer databases.
monitor all the activity of casinos
7
The 6 Steps to CRUKS The most important requirement is
to set up a connection with CRUKS
by the 1st of July 2021, through a
Casino and arcades need to choose and access an identification system total of 6 steps, so that players can
01
or outsource this to a third party.
be checked in the system.
Registration for an affiliation with the Gaming Authority – existing Once completed, gambling
02 licensees, new licensees or software suppliers for potential licence
providers must check every player
holders can apply to this step.
in CRUKS starting from 1 October
Requesting a Public Key Infrastructure (PKIoverheid) certificate – a 2021 (planned).
03 computer file that acts like a digital passport. For CRUKS, a PKIoverheid
services server certificate (Public G3 or Public G1 root) is required.
Players registered as self-excluded
in CRUKS must be rejected by the
Install and activate the PKI certificate on the server that you want to website. Though not a current step
04 connect to Cruks, then email your IP address & the public key of the PKI for connecting to CRUKS, the
certificate once in PEM format to the Gaming Authority. Gaming Authority recommends
combining the CRUKS checks with
Independently test the connection according to the specifications sent by
an age checks, which are planned to
05 the Gaming Authority. Once self-testing is ready, email the Gaming
Authority that you are ready for a connection test. become mandatory.

Test the connection with the Gaming Authority and, if everything goes
06 well, receive a release advice. All information presented here is provided by https://kansspelautoriteit.nl and
might be subject to change.

8
Responsible Gaming
The Dutch Gambling Act puts responsibility on the B2C
gambling providers for the selection of a reliable B2B
software provider.
EveryMatrix becomes a natural choice as a platform
provider. Our extensive experience, provision of a full
turn-key solution and proven track record of handling
player protection and responsible gambling
requirements for tier-1 casino and sports operators in
the most demanding jurisdictions make us a perfect
solution for operators.
From the PAM to the Casino or Sportsbook platforms,
all products are based on a micro-service architecture
that allows easy adaption to new jurisdictions and
legislations.
Whether it’s a Responsible Gaming solution we already
provide or one we can build, we cater to both
operators’ and players’ needs, ensuring a hassle-free
adoption of technical compliance requirements.

9
Across Gaming Vendors POWERED BY

Via the CasinoEngine Casino Integration and Aggregation

Platform, EveryMatrix has the capacity to implement several
player protection features across the vendors on a specific
website, without any need of customisation from the vendor
side:
• Reality checks​
• Time limit calculations​
• Wagering limits across all vendors​
• Authenticity checks​
• Toolbar with specific buttons (panic, transfer money, switch
between fun and real modes)
• Special daily reporting as requested
The operator has extensive control over the responsible gaming
and player protection features of the content it delivers, which is
especially important in the context of the Dutch regulations that
place all responsibility on the B2C provider.

10
Across Players POWERED BY

Our payments platform MoneyMatrix includes a customer NEW REGISTERED PLAYER

verification micro-service that significantly speeds up customer
checks and fraud analysis, optimizes KYC accuracy, and reduces the
associated costs​.
It provides coverage of Dutch regulatory requirements, among PLAYER DATA SENT TO CRUCKS
multiple jurisdictions available: age, documents, proof of address,
biometric, PEP, sanction, AML with combined screenings.
Verifications can be executed by third parties, or manually by the
PLAYER REGISTERED IN CRUCKS?
platform users, individually or in batches.
Identity management automation is possible via the Rules
Manager, with a verification automatically triggered as soon as the
set conditions are met.
NO YES
In the proposed framework of CRUKS, the microservice can
perform the role of an identification system, with the advantage of
it being already embedded in the platform.
PLAYER IS APPROVED PLAYER IS REJECTED
The verification is triggered when a new customer joins the gaming
platform.

11
Request: For one of our major
clients in Russia, we received
the task to build a solution that
communicated with the Federal
Financial Monitoring service
(Rosfinmonitoring) in order to
verify player data and make
sure the operator fully complies
to local regulations.
Purpose: Verify in real time the
players’ identity against Federal
Financial Monitoring service
(Rosfinmonitoring) for a major
Russian gambling operator.
Challenge: Overcome technical
constraints in a strict given
timeframe, to support the
operator’s launch. The technical
constraints involved data format
consistency issues in the
Rosfinmonitoring lists.
CASE STUDY: PLAYER VERIFICATION
SERVICE FOR 888.RU
Solution: A new independent
service based on the operator’s
needs. The service’s main
functionality is to compare the
players personal data against a
predefined identity lists generated
by the national authorities. The
triggers for checks include user
registration, profile updates and
Rosfin list updates, with the
possibility for more triggers to be
added.
Result: A fully compliant platform
for the Russian market under the
estimated time, and successfully
launched the client.
12
 We are thrilled to cooperate with EveryMatrix, one of the worldwide
suppliers in the software market. 888.ru leverages their platform
flexibility to provide better quality for our customers. We are sure that
thanks to EveryMatrix modern and scalable technology, 888.ru will
become a benchmark for the Russian sports market.

Dmitry Merkulov, Director of Electronic Sales and Marketing at 888.ru

13
A Good Start
Going from a state-owned of entertainment.
gambling market to a free one,
Positive demographics trends.
The Netherlands puts forward
one of the most interesting A diverse and renewed
Remote Gambling Acts that audience.
provides a virtually clean slate
Legislation that seeks to put all
for operators.
operators at the same level.
In this respect, The
The correct balance between
Netherlands gaming market
player protections and
offers a handful of excellent
business requirements.
advantages:
Players have an existing Ability to forge partnerships
appetite for gambling. that will provide mutual
growth.
Sufficient income to allow the
safely adoption of such a form

14
Turnkey Solution Largest German sportsbook.
Casino with front-end.
Live 2017.
for a swift Market Entry
At EveryMatrix,, we already supporting large State monopoly in Norway.
Casino. Live 2018.
businesses with time-tested and tailored
solutions that guarantee the successful entry on Paddy Power Betfair initially
any market. Spain, then more countries.
Casino. Live 2020.
• Cross-product platform;
• Modular architecture allowing for flexibility Largest operator in Greece.
and scalable growth; Casino with front-end.
Live 2020.
• A to Z solutions for bold operators seeking to Genesis Global with 12 brands
in UK, Sweden, Malta, and
expand into the Dutch market; more. Platform with Casino
and Payments. Live 2016.
• Adapting to market-specific regulations;
• Attracting and retaining players;
• Modern front-end technology; A leading German brand.
Platform with Casino and
• Sophisticated back-office capabilities; Payments. Live 2016. Land based and online
operator in Romania.
• Market-leading gaming content. Platform with Casino, Sports,
Payments. Live 2018.

15
Product Benefits
Highly scalable across multiple
jurisdictions and products.
Comprehensive overview of all
players activities.
Enhanced monitoring of wallets,
transactions and regulatory data.
Easy access to new jurisdictions.

Technical Benefits
Modular platform architecture
allowing partial or full
integrations.
Full operator control of the
website development via APIs.
Build own custom back-office logic
by means of APIs available.
Extend reporting and other data-
driven logic using our Data Hub
Streaming Service.
16
EveryMatrix delivers a modular and API driven
product suite for casino, sports betting,
payments and affiliate/agent management.
The company’s B2B iGaming solutions are
designed to help clients unleash bold ideas
and deliver outstanding player experiences in
regulated markets.
To offer the services required by operators,
the EveryMatrix products work together as an
entire platform or independently. They can be
easily integrated with existing platforms to
accommodate different types of clients from
bookmakers to lotteries and from existing
large operations to newcomers.

Headquarter Office

Level 3, St. Julian’s Business Centre

3 Triq Elija Zammit, STJ 3153, St Julian’s, Malta

For more information:

everymatrix.com
info@everymatrix.com

EveryMatrix Software Limited is licensed and regulated in Great Britain

by the Gambling Commission under account number 39383 and the
Malta Gaming Authority, licence number MGA/B2B/201/2011.