In away its almost like a learnt behaviour as in you are primed when you are an 11 year old and that continues forever.
I canât comment on the wheel of âlose all your moneyâ.
But where can I get trousers like that?!
#ballinâŚ
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I think there is a gambling block in place (I remember a robust discussion about the National Lottery). I think there is also a block on use on adult sites?
What I wonder about are games where is perfectly legal to own and play for example Fortnite?
Doesnât this fall under the âClash Royaleâ type game though?
You can play the game for free, and you can pretty much do everything within it.
Anything you buy in the game, gives you something in return (something you can see before you buy it, which makes it a choice, not a gamble) - Be that a skin, a weapon or something else.
I donât believe there are âmystery boxesâ which are literally a pot luck gamble as to what you get in return.
Although, FWIW, I donât like the fact that Fortnite is basically a subscription game, costing ÂŁ8 per month for the âBattle Passâ, which you kind of need to compete.
True, I wonder if Iâm just differentiating between computer games and App games too much.
I donât play Fortnight although i did some research and then revenue they were earning was just insane
I think it ultimately comes down to⌠âDo you know what you are getting?â
With a lot of IAPâs (both mobile and console), you know what you are buying.
The issues above relate to apps that offer a âmystery prizeâ - Where you donât know what you are buying, but are lured in by the potential of it being amazing (it rarely is).
Thatâs the gamble.
But does that change if the lootboxes probabilities are published? Which i know a couple of games have been forced to do?
Not in my eyes.
Itâs no different to the probabilities of any fixed odds gambling.
You are paying for something that you canât see, and have no idea if youâll get what you want.
That for me is a gamble, and probably encourages the younger generation (and older), to consistently waste money in the hope that theyâll eventually win.
Yeah I completely agree iâm just trying to think if there are any counter arguments to Monzo not thinking about implementing a block
Implementing block is difficult as it all goes through. Host like Google play, so unless transaction data could be adapted for if gambling related then not sure how. Whereas all gambling licenced businesses have to include in transaction that it is a gambling transaction.
Itâs like buying alcohol in supermarkets, donât think the transaction would highlight purchase when using card ?
Surely youâd just block in app purchases?
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What about Spotify ? Health apps etc you often get via in app purchase?
True I had a quick google and it is possible, I just wonder how that authentication works with Monzo? So you could just have that. but it would be a pain to do that every time. Does anyone have an example of what an in App purchase looks like from a gambling game in terms of transactions? Or is it possible to have a white list and Blacklist of games/Apps?
Those are a one time subscription though.
Turn it on, do what you need to do, turn it off.
I donât think this is a challenge for Monzo so to speak, I think the challenge is to eradicate âloot boxesâ from games, or make them 18+ if they arenât already.
If people still canât control themselves, you can set up âfamily sharingâ, where youâd need permission from the account holder to download a game/perform the IAP.
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A bit of blunt approach if you canât control yourself, but not disagreeing overall
@NeilM itâs sent with the transaction as MCC code In the data.
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Often sugar coating the words ends up with a misunderstanding.
Obviously Iâm talking about those people who need help the most, and I actually think the way Apple does the âfamily sharingâ is really good (not sure what there is on Android).
A vulnerable person has complete control over everything, but if they want to download an app/buy an IAP, a push notification is sent to the account holder (or sponsor in this case).
It feels like the solution is there, it just needs evolving for this scenario (rather than focussed on families).
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Got you ! 
Same thinking then!
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The only issue then is if you donât have a sponsor who can it go to?
I think I have a solution, I looked through one of the APIs for IAP
https://developer.tizen.org/development/tizen-studio/extension-sdk/app-purchase-programing-guide
and i think there is the possibility of targeting a specific thing such as the in-game currency or whether its a consumable or not but I think I need to do more research but also Iâm not sure how widely used this API is.
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