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Not to encourage you to stay indoors all the time, but the cities in video games these days portray such intense realism and cityscapes that it feels like walking down the streets of the actual city itself. Take Athens, Amsterdam, Paris, or any city you’ve been yearning to step foot into, for example. Any one of your dream destinations is likely featured in the adventure and open-world games of today.
Thanks to modern technology, video game developers have managed to translate every detail down to the most minuscule pattern and reflection. It’s truly the best time to visit as many cities as you want, right from the comfort of your own home. Yet, even with the immense number of real-world cities replicated in games today, there are still a few that offer more surreal experiences. So, if you’re looking to start living the digital nomad dream without the hassle of boarding planes and nursing jet lag, these best cities in video games in 2023 are a great place to start.
5. Venice – Assassin’s Creed
If you’ve ever wondered what Venice looked like in the 15th century, then you might want to hop on over to Assassin’s Creed. As ancient as you can imagine the buildings and bridges to be, that’s the same way Assassin’s Creed manages to capture the essence of Venice.
You learn historical facts for the first time, with some embellishments, of course. Still, the game captures history as accurately as possible. You can even experience the Italian Renaissance right from home. And who said traveling back in time was impossible?
4. Night City – “Futuristic San Diego, California” – Cyberpunk 2077
Night City in Cyberpunk 2077 is a fictional megalopolis of the future. However, despite being way ahead of its time and its obsession with power, glamour, and body modification, its physical location can actually be traced to the heart of California, directly on the coast. It’s a great way to visualize an alternate San Diego, imagining if the city is a self-governed free state, albeit filled to the brim with grime, darkness, and filth. Many people in Night City struggle to get by. And even more so, they are willing to do whatever it takes to survive.
But Night City is far from a hopeless trip into the future. It’s also a stunning place in design. Cruising down the streets, swerving through the traffic as you try to get away from the law officers in blue. There are so many gigs to keep busy. You’ll enjoy the rush of adrenaline as you engage with authentic NPCs and attempt to get away with crime. When talking about an escape, Night City is the perfect spot to pump your adrenaline flow and see how much cyber warfare your inner child can take.
3. Prague – Deus Ex: Mankind Divided
Deus Ex: Mankind Divided portrays a rich, diverse character spectrum in an immersive world. It’s set in Prague, soaked in a neon gold color palette and bright lights that culminate in a stunning spectacle. It’s the game for cyber-noir adventure fans, with some events taking place in Dubai and London. You’re free to explore the world as you please, enjoying the developers’ take on a technological age, albeit rampant with inequality.
With the story portraying a world overrun by “mechanical apartheid” that strips away augmented people’s rights and leaves them isolated in ghettos, the game’s Prague experience may not be exactly what you sign up for. However, like Night City, it draws an alternate perspective on Prague in 2029, imagining what a futuristic cyberpunk world in Prague might look like.
2. Kamurocho – “Kabukicho, Tokyo” – Yakuza Series
The Yakuza series is a pretty special entry for travel enthusiasts. It takes you on a journey – not a physical one, but a historical one. Since the Yakuza series’ debut in 2005, eight main Yakuza games and two remakes have hit the stores. Each of these games takes place in Kamurocho, which is a real-life recreation of the Kabukicho district in Tokyo.
To describe Kamurocho as anything but spectacular would be an understatement. Walking in the streets, amid convenience stores and arcade stores, feels as surreal as the Kabukicho district itself. The developing team diligently researched host clubs. They physically attended the clubs themselves and replicated the red light district of Tokyo as is. Even locations such as the Don Quijote discount store and Club Sega gaming centers represent their real-life counterparts to a T.
The only thing needed to tie Kamurocho with a bow is sound. Thanks to Japanese ads cutting through the air at one point and karaoke machines running off at the next, it feels like truly taking your first virtual steps amid the bright ambiance of Kabukicho’s look-alike.
So, if you’re ready to take a trip down memory lane and see how much Kabukicho has changed over the years, you can take turns playing the mainline entries in the Yakuza series. While some changes are subtle, you’ll still see some big ones, like shops and businesses, that come and go. It’ll definitely bring some nostalgic feeling, especially for old stores you may have been going to or entire buildings you may have passed by now turned into parking lots.
1. Los Santos – “Los Ángeles” – Grand Theft Auto 5
Is there any other game that does open-world cities better than Grand Theft Auto 5? GTA 5’s Los Santos depicts real-life Los Angeles. It includes practically all surrounding areas like South Central, Beverly Hills, Koreatown, and South Central. This mimicking of LA fits as closely as humanly possible to their real-world counterparts.
It won’t necessarily take long to drive from downtown LA to downtown Santa Monica. Still, it doesn’t take away much because, ultimately, most of the parts that are left to one’s imagination are, well, long stretches of nothing.
In Los Santos, you have so much freedom to do anything you want and become whoever you please. Because of the sheer wealth of freedom to cruise around and the multitude of packed content to keep you busy, Los Santos feels as vast as the ocean and like a city you’d never want to leave.
So, what’s your take? Do you agree with our best cities for video games in 2023? Are there more cities we should know about? Let us know over on our socialshere.
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Roulette is a game of chance where players can bet on the outcome of a spinning wheel, which usually has either 38 or 37 numbers. The roulette ball is released and bounces around until it lands in one of the numbered slots on the wheel, and the number it lands on determines your fate.
There are several ways to play roulette online. You can choose to play with or without a casino’s house edge. Most online casinos offer this option as well as an auto-play feature for those who want to sit back and let the game run itself.
Roulette is a casino game with an infinite number of spins.
Players bet on the outcome of the ball in the roulette wheel, or its position relative to numbers on the board or in relation to other numbers.
The game is played by placing bets with chips on various portions of the roulette table, which can correspond either to numbers, colors, or even whether the player is betting “even” or “odd”.
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Roulette is a game played with a spinning wheel that has slots for placing bets. In this game, the players place their chips on the table as they choose one of the numbers or colors on the wheel. The croupier spins the wheel and then spins it again after all of the players have placed their bets.
In order to win, you have to bet on a number or color that is coming up in a random fashion under one of those two spins. You can also bet on a specific range of numbers or colors by putting your chips at the back edge of those numbers or colors. There is also an option called “outside bets” which are any other number outside of 0 and 00 that you can place your bet on.
Blackjack is one of the easiest casino table games to grasp, but it can take you a little longer to master. With the aid of this comprehensive guide on how to play blackjack, we can equip you with the skillset and knowledge to have fun even when you are sat playing against a real dealer in the LiveRoulette live casino.
With over 20 live blackjack tables to choose from at LiveRoulette, there is always an opportunity to play a basic hand of blackjack or dabble with some of the side bet variants that can switch-up your gameplay. Before you get started, why not familiarise yourself with the basics of blackjack and get to grips with an optimal strategy to minimise the house edge.
The on-screen layout of a live blackjack table
From the moment you load up your live casino blackjack table, you will meet a friendly, professionally trained dealer to manage your game. You can see the seven-player seats around the table. Vacant seats will say ‘Sit Here’ and you only need to click to join the action.
The display of your account balance is in the bottom left corner of the screen and you can choose the size of your stake in the ‘Total Bet’ button next to it. Click the inner circle of your seat position once to bet one unit. You can also click on the side bet areas to place additional bets if you wish.
It’s possible to chat with the dealer and the other players at the table in real-time using the ‘Lobby’ button in the bottom right corner of the screen.
Card values in live blackjack
The values of cards in a game of blackjack are easy to follow. They correspond to their numerical value displayed on the card. Face cards (Jack, Queen and King) are worth ten, while an Ace can be worth either one or 11 and played however you see fit.
In-play actions available in live blackjack
Hit
By ‘hitting’, you’re requesting an additional card from the dealer to try and improve your hand(s). You can continue to hit cards until your hand value is 21 or greater.
Stand
You can choose to stand on your hand, which means that you are happy with the value of your cards and don’t require any more from the deck. You may choose to stand your hand to avoid exceeding 21 and going bust.
Split
When a dealer gives you two cards of equal value, you can split them. Splitting turns these cards into two separate hands, with the dealer giving you one additional card for each hand. You must pay to split. The additional bet must be equal to your starting stake.
Double Down
If you believe one additional card will improve your hand to defeat the dealer, you may choose to double down. You’ll only get one more card from the deck and you must double your starting stake.
Insurance
Whenever the dealer’s upcard is an Ace, the dealer will offer you an insurance side bet which can cover your losses if the dealer has a blackjack.
How many hands can you play in live blackjack?
You can play as many hands as you want at most live blackjack tables. Wherever there is a vacant seat at the table, you can normally use it to play multiple hands in different seats – providing you have the bankroll for it. Unlike other card games such as Texas Hold’em Poker, where it’s not possible to take up multiple seats at a table, you can do so in blackjack because you are not playing against the other players at the table, only the dealer’s hand.
What does bet behind mean?
At some live casino blackjack tables, you may have the option to ‘bet behind’ another active player at the table. This means that you will be betting on your chosen player’s hand to beat the dealer’s hand. Although you will have no say or control over how the hand turns out, you obviously have a choice as to which player you choose to bet behind.
Each active player at the table will have icons displayed next to their name, displaying how well they are playing. Those on a ‘hot’ or winning streak will usually have a gold medal or star next to their name.
How does the dealer play their hand?
You should now know how to play your blackjack hand at the tables, but do you know how the dealer plays their own hand? Put simply, if the dealer’s first two cards add up to 16 or less, they must hit and take an additional card. If their first two cards value is between 18 and 21, they must stand and take no further cards.
If the dealer has a ‘hard’ 17, they must stand. A hard 17 is a hand that does not contain an ace or has one or more aces with the value at one. If the dealer has a ‘soft’ 17, they must hit and take an additional card. A soft 17 is a hand that does contain an ace with the value being at 11.
The dealer’s hand automatically wins the round if your hand busts, or if the option is available to surrender your hand and half of your original stake. Their hand also wins if it is closer to 21 than yours. If you and the dealer have hands of the same value, then this is a ‘push’. In this event, you receive your original stake in full due to the tied game.
It’s worth noting that the dealer has very little say in how they play their hand. They must adhere to the house rules of standing on hard 17 and hitting on soft 17. Under no circumstances can they change tac and play their hand differently.
Available payouts at the blackjack tables
First and foremost, if you win a hand of live blackjack against the dealer’s hand, you will win a payout worth 1:1. If you bet €10, you’ll receive €10 in winnings, plus your €10 stake back.
It’s a little less straightforward for blackjacks. Some tables payout 6:5 for blackjack, while others will pay 3:2. For example, if you bet €10 and get a blackjack at a 6:5 blackjack table, you’ll receive €12 in winnings, plus your €10 stake back. If you bet €10 and get a blackjack at a 3:2 blackjack table, you’ll get €15 in winnings, plus your €10 stake back.
If you choose to take out the insurance bet, this pays out at 2:1 in the event the dealer lands a natural two-card blackjack.
Side bets in live blackjack
Although bet behind is also considered a side bet option, there are two primary side bets that you can place when sat at most of our live blackjack tables:
21+3 Let’s start with the 21+3 side bet. This one happens around the first two cards you receive, as well as the dealer’s visible ‘upcard’. If you can form a three-card poker hand using your first two cards and the dealer’s upcard (flush, straight, straight flush or three-of-a-kind) you will win a payout. The size of the payout depends on what kind of poker hand you can form. It typically ranges from 5:1 for a flush through to 100:1 for three-of-a-kind cards of the same suit.
Perfect Pairs Perfect Pairs is the second most popular side bet you’ll find at our live blackjack tables. This optional side bet requires you to find matching card values, card colours or, better still, two identical cards. You can win 5:1 for a Mixed Pair, such as a pair of eights of different suits. You can win 12:1 for a Coloured Pair, like a pair of sixes of the same colour i.e. diamonds or hearts. Finally, you can also bag 25:1 payouts for a Perfect Pair, which is two identical cards.
Understanding optimal strategy in live blackjack
The key to giving yourself the best chance of winning at the live casino blackjack tables is to adopt a smart strategy. A smart strategy is one that minimises the game’s house edge. With that in mind, let’s take a look at some of the betting techniques you should employ as part of an optimal blackjack strategy:
Doubling down on 10 and 11 Some casinos will only allow players to double down on hands when their initial two-card hand is worth 10 or 11. Doubling down on 10 or 11 is a powerful play, particularly if the dealer’s hand is lower. It may even be prudent to double down when your hand is worth nine and the dealer’s hand is of a lower value still.
Splitting Aces and 8s If you have a pair of aces in your hand, this is a hard or soft total of 12. This is rarely a good situation to be in. There’s a high probability of landing a face card or a ten with your next card and going bust. Splitting them gives you a chance to potentially land two blackjacks or two cards valued higher than 12.
A pair of eights is a hard total of 16, which means there are plenty of cards in the deck that could bust your hand when you hit. Splitting your eights into two hands gives you a chance to land a ten on both hands to achieve 18, which is a respectable outcome in this scenario.
Avoid taking Insurance Whenever the dealer’s upcard is an ace, you will get the chance to buy ‘Insurance’. This requires you to pay half the size of your original stake as a side bet, which pays out 2:1 if the dealer has a blackjack, ensuring you break even for the hand. The dealer will not have a blackjack more than 50% of the time, so Insurance is a statistically bad play – unless you are certain their next card will be a ten.
Surrender 16 against a ten (if allowed) If early or late ‘Surrender’, the best time to use it is when you have a hand value of 16 against the dealer’s ten. There are plenty of cards in the deck that can bust your hand and a similar amount that can give the dealer’s hand an unassailable advantage. That’s why it makes more sense to cut your losses and surrender half your stake in this position.
Live blackjack variations
Not content with conventional live blackjack games? We’ve got you covered. At LiveRoulette, you can immerse yourself in three different blackjack variations. All of which offer exciting, fast-paced gameplay, available on all desktop and mobile devices.
Speed Blackjack
Are you short on time? If you don’t have a moment to waste, Speed Blackjack could be the ideal solution for you. Powered by LiveRoulette partner Evolution Gaming, Speed Blackjack accelerates the gameplay wherever possible. The first two cards play as normal, but the next step is completely different.
In Speed Blackjack, the quickest players to make their decision to stand, hit, split or double down will play first with the dealer. It reduces the waiting time for experienced players that know what they are doing, even if it does not provide a mathematical edge to your action.
Infinite Blackjack
If you are someone that can only devote time to playing live blackjack during ‘peak’ hours, the chances are that most live blackjack tables will be full of players when you log in. There’s no need to worry about not being able to play though, thanks to our Infinite Blackjack tables.
As the name suggests, these low bet limit tables cater to an unlimited number of players, with no need to wait for a seat to become available. That’s because all active players receive a ‘community’ two-card hand. Subsequently, each player can play the remainder of the hand however they wish. There are no less than four side bets to choose from too.
Blitz Blackjack
Blitz Blackjack, powered by LiveRoulette partner NetEnt, operates on the same principle as Infinite Blackjack. All players receive the same two cards on-screen from the dealer and are then given the option to hit, stand and split the two cards to make the remainder of the hand their own. Again, there is no limit on the number of players that can play at these tables, which is great for peak hour gaming.
Blackjack is not a complex or scary casino game. You can grasp it within minutes and start to enjoy yourself at the tables of our Canadian online casino!
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American Roulette: A variant of roulette that features a double zero (00). The double zero sits next to the single zero on the betting board. This means there are 38 numbers in play and puts the house edge to 5.26%.
Backtrack: The outer section of the roulette wheel where the ball spins.
Biased Numbers: A section of numbers that is said to hit more frequently than is statistically likely. Biased numbers can be caused by an uneven or otherwise faulty wheel. Unless there is a software glitch, you’re unlikely to see biased numbers at an online roulette table.
Biased Wheel: An unevenly worn or faulty roulette wheel. In live roulette games, a biased wheel could cause certain numbers to hit more often than they otherwise would as it’s not spinning in an even, random manner.
Black Bet: An outside bet in live and online roulette. When you bet on black, you’ll win a 1:1 (even money) return on your money if any black number hits.
Bottom Track: The slanted inner rim of the roulette wheel that remains static during a spin. When the ball slows down, it slides from the backtrack and onto the bottom track before falling into a numbered pocket.
Carre: The French term for a corner bet.
Cheval: The French term for a split bet in land-based, online and live roulette.
Colonne: The French term for a column bet in roulette.
Column Bet: Like dozen bets, column bets allow you to cover 12 numbers with a single chip. There are three columns to choose from, and the payout on winning bets is 2:1.
Combination Bet: In general, a combination bet can be made with one or more chips and will cover two or more numbers. An example of a combination bet is a dozen, which covers 12 numbers in one section of the table.
Corner Bet: A single bet that covers four connected numbers. To make a corner bet, you must place a chip in the middle of a square of four numbers. This means you’re selecting all four numbers in the square. The payout for a corner bet in live or online roulette is 8:1.
Dealer: The person in control of a game, also called a croupier. When you play roulette, the dealer will be present and actively control the game. When you play roulette online, the game will be controlled by a random number generator (RNG).
Dozen Bet: A single bet that covers 12 numbers in one section of the table. Dozen bets are split into three sections: 1st (numbers 1-12), 2nd (numbers 13-24) and 3rd (numbers 25-36). Zero isn’t included in a dozen bet. If any number in your dozen hits, the payout is 2:1.
Double Zero: In American Roulette, double zero (00) is the additional number on the wheel.
En Plein: The French term for a straight-up bet in online and live roulette.
En Prison: A rule common in French Roulette, en prison literally means “in prison”. This rule applies to even money bets and allows you to either take back half your stake when zero hits or leave it “imprisoned” for the next spin. You’re choosing to either get a 50% rebate on a losing bet or keep your stake for the next bet.
European Roulette: The most common form of online and live roulette in the majority of casinos. This game is the older cousin of American Roulette. The main difference between the two variants is that European Roulette doesn’t feature the double zero. Because of this, it has one less number in play than its American counterpart. In total, there are 37 numbers in European Roulette, with a maximum payout of 35:1. The house edge is 2.70%.
Even Money: This term refers to a 1:1 payout. In other words, you win the same amount that you staked. For example, if you stake €1 and win, your total return will be your €1 stake back + €1 profit.
Five-Number Bet: This is a single bet that allows you to cover five specific numbers: 00, 0, 1, 2 and 3. If you win with this bet, your return will be 6:1.
High Bet: This is an outside bet in live and online roulette. When you bet on “high”, you’ll cover all numbers between 19-36. If you win, the return is 1:1 (even money).
House Edge: This term refers to the advantage the house (casino) has in any given situation. The house edge in roulette is created by a difference in the odds of any bet winning and the payout you receive. For example, the payout for a straight-up bet is 35:1. However, in European Roulette, there are 37 numbers on the table. This discrepancy (37:1 vs. 35:1) is where the casino gets its advantage.
Inside Bet: Any bet made within the inner section of the table is known as an inside bet. Inside bets can be straight up or a combination of splits.
La Partage: When you play French roulette online or live, La Partage is a special rule that allows you to receive 50% of your stake back on even money bets. When it applies, if you make an even-money bet and the ball lands on zero, you’ll get half of your money back. This is similar to the En Prison. However, you don’t have the option to let your bet ride on the next spin with La Partage.
Line Bet: Also known as a six-line bet, this option allows you to cover six numbers (two rows of three) with a single wager. To make this bet, you split both rows with a single chip. The chip must be placed at the nearside end of the rows. The payout on this bet is 5:1.
Marker: In live roulette, a marker, also called a ‘dolly’, is a small implement used to mark the winning number. When the round is over, the dealer will place a marker on the winning number and clear away all losing bets from the roulette table before paying out the winners.
Neighbours: In roulette, neighbours are numbers found next to/near each other on the wheel. These have relevance to certain types of bets, such as Orphelins.
Orphans: A type of bet that allows you to cover the numbers 6, 34 and 17 with a single wager.
Orphelins: A French term that refers to the process of betting on neighbours (numbers that sit near each other on the wheel). By betting on “neighbour” numbers (i.e. orphelins), it allows you to cover groups of numbers with fewer bets.
Outside Bets: Any bet outside of the inner table. Outside bets offer lower returns than inside bets. In roulette, the inner board is any betting option contained without the main, rectangular betting area. The inner board is where the individual numbers sit.
Pockets: These are the slots where the ball lands on a roulette wheel.
Random Number Generator (RNG): When you play roulette online, the outcome is determined by a computer program known as an RNG. An RNG uses mathematics to generate random results. This allows online casinos to offer games that are as fair as their live counterparts.
Red Bet: An outside bet in live and online roulette. When you bet on red, you’ll win a 1:1 (even money) return on your money if any red number hits.
Sixainne: The French term for a line bet.
Split: A bet that covers two adjacent numbers. The bet is known as a split because you’re literally splitting the chip by placing it on the line between the two numbers. The payout for a winning split bet in roulette is 17:1.
Straight Up: A bet on a single number is known as straight up. The payout on winning straight up bets in roulette is 35:1.
Street: Similar to a line bet, a street bet allows you to cover three numbers in a row with a single bet. To make a street bet, you need to place a chip on the nearside end of a row. The payout for a winning street bet in roulette is 11:1.
Tiers Du Cylindre: Another neighbours bet in French Roulette, tiers du cylindre covers a third of the wheel. This bet requires you to cover 12 numbers with split bets. To make it, you split the following pairs: 5-8, 10-11, 13-16, 23-24, 27-30, and 33-36. The payout on this bet is 17:1, as any win will be a split bet.
Transversale: The French term for a street bet.
Trio Bet: Another term for a street bet in live and online roulette.
Voisins du Zero: A neighbours bet that’s popular in French Roulette. Voisins du zero translates as “neighbours of zero” and sees you cover the 17 numbers that flank zero on the wheel. You have to cover all 17 numbers with nine bets. You do that in the following way:
Two chips on the 0-2-3 trio
One chip on the 4-7 split
One chip on the 12-15 split
One chip on the 18-2 split
One chip on the 19-22 split
Two chips on the 25-26-28-29 corner
One chip on the 32-35 split
Zero: A number in the game of roulette. Zero is slightly different to other roulette numbers because it’s green. This means that it’s excluded from any outside bets.
Roulette FAQ
How do live casino games work?
When you play live roulette or any other live casino game, you’re connected to a live game via a webcam. This allows you to see what’s going on at the table in real-time. In tandem with the live stream, RFID sensors on the table link to a computer program that allows you to place bets on the action via your desktop or mobile device.
What Are RFID Sensors?
These are small devices that record data in real-time. Each sensor records actions that take place on the table. These actions are then sent to a computer program so our system knows the result of each spin. This information is compared with the bets you made to determine whether you won the round or not.
Are Live Casino Games And Live Roulette Safe?
Yes. Live roulette and all live casino games are tightly controlled and regulated. In fact, every live roulette game you play online will be as fair as one in a brick-and-mortar casino. To ensure fairness and safety at all times, live roulette games have to be tested and monitored. These conditions form part of a company’s licensing duties. In other words, without proving a game is safe and fair, the company wouldn’t receive a gaming licence and, therefore, wouldn’t be able to offer products online.
Is There An RNG In Live Roulette Games?
No – with the only exception being Lightning Roulette. In this game, the location of the five numbers that are struck by lightning are controlled by a computer program called an RNG. This is very much similar to the process behind digital casino games such as online slots, blackjack and roulette, in the action is controlled by the game’s Random Number Generator. In this instance, the program does the job of a dealer and produces random results. In live roulette, however – bar Lightning Roulette, the dealer is solely responsible for controlling the wheel and, therefore, generating random results.
How Can I See The Action?
All live roulette games online are broadcast to your screens via HD webcams. To ensure everyone has the best experience, you can adjust the quality of the stream to suit your connection. Additionally, many of the best live roulette games now feature multiple cameras so you can get different perspectives on the board and wheel.
What Types Of Live Roulette Are There?
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Betsafe has proven its dedication to football through its three-year-long sponsorship agreement with Kenya’s top-tier football clubs, Gor Mahia FC and AFC Leopards. This deal enabled them to touch base with Kenya’s most passionate football fans, to whom they will be able to provide their well-known range of betting experience.
Alex Kobia, Acting Managing Director of BetHigh Ltd. puts emphasis on the fact that this launch is not only to provide the best possible sports betting experience, but to also serve as the industry standard for safe and responsible gaming.
Given that they are entering the market at such a crucial time for the Keynan Government and its new regulations for the industry, Betsafe is aware of the importance of safe betting. In light of the fresh efforts made with the help of the Betting Control and Licensing Board, Betsafe noted that they “will strictly adhere and fully support the Regulator in its objective of ensuring responsible gaming.”
A Unique Product Launch backed up by the two top-tier football clubs
Having that end goal in mind of providing the best service in the country, they have worked hard to tailor their product to the Kenyan market and their future users. Considering relatively low smartphone penetration in Kenya, most bettors still use basic phones, where SMS betting remains a popular and convenient way for placing bets. This is why Betsafe Kenya enables customers to place bets via SMS without the need for a gameID. The wager and stake can be set by simply texting #23333, and can be cancelled within a certain timeframe should the bettor change their mind.
Fast payouts are a critical feature for both Betsafe and their customers, which is why they will do everything they can to ensure this is something that their customers can always count on.
Looking forward, in the span of a few months, they also aim to introduce and release several other new features, such as jackpots.
In addition to providing Kenyans with the unique experience of online betting, the operator of Bet High Kenya Ltd. stated for CH that they plan to hire 150 employees during the upcoming 24-month period.
Alex Kobia’s final say on the launch was, “In essence, our ambition is to deliver a trustworthy product with safe and quick pay-outs, innovative betting services, passion, and commitment to Kenyan football, responsible gaming, and outstanding customer support.”
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If you’re new to online slots and you don’t know your wilds from your win multipliers and your scatters from your stacked symbols, take some to browse our A-Z slots glossary. This article lists all the common terms you’ll encounter the next time you play slots online.
Hopefully, you should have a better handle on how online slots work after reading this glossary. Our goal is to help you become the next slots slayer right here at LiveRoulette!
A
All Ways: Otherwise known as ‘win both ways’ these slots can have hundreds of available paylines which can pay from left-to-right or right-to-left, maximising your winning potential.
Autoplay: If you want to play a multiple number of spins without having to press ‘Spin’ each time, set your gameplay to autoplay a pre-selected number of spins.
B
Bonus Games: Most online slots have at least one bonus game, which is often triggered by scatters or wild symbols. These bonus games can range from free spins rounds to bonus wheels and “pick-me” features.
Branded Slot: A branded slot is one that’s themed around a specific franchise, such as a Hollywood movie or hit television series, featuring exclusive visual and audio content.
C
Cascading Reels: Symbols involved in winning combinations are removed from the reels, leaving gaps to be replaced by new slot symbols that drop in from the top. This gives you a chance to win multiple combinations on a single spin.
Classic Slot: A ‘classic’ slot is one which nods to old-school fruit machines, featuring the classic fruity symbols, bells, lucky sevens and BARS, amongst others.
Cold Game: More common on casino floors than online slots, when a slot game is said to be ‘cold’ it means it does not pay out as frequently.
Coins: The funds you add to your chosen slot are displayed in a coin value, based on the minimum bet size per spin.
E
Expanding Wilds: An expanding wild is a special type of wild symbol (see ‘Wild’ for full description). Whenever the expanding wild feature is active, a wild symbol will expand to fill an entire reel to bring greater winning potential.
F
Fixed Jackpot: Online slots with a fixed jackpot have a fixed maximum prize, usually triggered by landing five of a specific symbol on a payline, or sometimes triggered at random.
Free Spins: It’s possible to unlock extra free spins by landing certain win combinations, such as three scatter symbols on a payline. A free spin is quite literally a free spin of the reels.
Fruit Machine: The British name for a classic slot machine. Fruit machines are the classic three-reel, three-payline slots featuring fruit symbols, lucky sevens, bells and BARs.
G
Gamble Feature: Within some slot games it is possible to gamble the winnings from your spin. You may be asked to pick a card suit or colour, or to guess high or low on the outcome of a card displayed on screen. You could double, triple or even quadruple your money depending on the game, but it’s also possible to lose all your winnings.
H
High Volatility: A slot deemed to have high volatility means that it is programmed to give out less frequent prizes and jackpots. However, most high volatility slots tend to offer bigger prizes when they do pay out.
Hit-And-Run: This term is used to describe slot players that play on single payline slots using maximum coins for a few spins and move on to the next slot if they don’t win.
Hit Frequency: How often a slot pays out on average. For example, a game with a hit frequency of five is expected to yield a winning payline approximately every five spins.
Hot Game: The opposite of a ‘Cold game’, hot slots are those that are said to be paying out regularly and in large sums.
J
Jackpot: The jackpot of an online slot is the coveted top prize, and can be fixed, progressive or linked across a network of slots.
L
Linked Progressive Jackpots: On occasion, there are multiple slot games whose progressive jackpots are linked together, often branded slots based on the same franchise. It doesn’t matter which one you play, you will be playing for the same progressive jackpot.
Loose Slot: A ‘loose’ slot is one that is considered to have low volatility, paying out more regularly than a ‘tight’ or high volatility slot.
Low Volatility: Low volatility slots tend to have higher hit frequencies and are often great slots for beginners. The trade-off is that low volatility slots may have smaller prizes on offer.
M
Maximum Bet: The maximum bet is the largest stake you can place per spin on your chosen slot game, based on the number of active paylines and the maximum coin denomination available.
MegawaysTM: This is a popular slot game engine is designed to expand the number of rows played per reel, giving you up hundreds of thousands of potential ways to win.
Mobile Slot: Mobile slots are those optimised for responsive gameplay across desktop, smartphone and tablet devices, utilising the latest HTML5 technology.
Multi-Line: This term is used to describe online slots with more than a single payline.
Multiplier: A multiplier could be a specific symbol which can multiply your winnings by a predetermined figure. Multipliers can also be found in free spins rounds, when the more consecutive wins you land, the bigger the multiplier grows.
N
Near miss: Players that narrowly miss out on a winning combination on a payline describe this as a near miss.
Nudge: Inspired by classic fruit machine gameplay, some slots have a ‘nudge’ functionality included, allowing players to hit the nudge button to move a reel up or down one space to form a winning payline.
O
One-Armed Bandit: The first slot machines produced in land-based casinos, which required players to pull a lever to spin the reels.
P
Payline: A payline is the line that symbols need to align with to trigger a payout.
Pay Table: The pay table for any slots online is designed to fully explain the rules and payout sizes of each game. It outlines the low and high-value symbols to look out for on the reels.
Penny Slot: A penny slot game is one which requires players to pay as little as €0.01 per spin.
Pick-Me Bonus: A type of slot bonus screen whereby players must select on-screen options to reveal instant prizes.
Progressive Jackpot: A progressive jackpot is a rolling jackpot that continues to increase in value until it is won. A percentage of each player’s stake per spin is contributed to the progressive jackpot, so the more players play, the higher the pot.
R
Random Number Generator: All state-of-the-art online slots are powered by a random number generator (RNG), which is a tamper-proof algorithm designed to randomise the outcome of every spin.
Reels: These are the columns within which the symbols spin to create potential winning combinations.
Return To player (RTP): The RTP percentage gives slot players an indicator of how much they can expect to return from their spins. If a slot has an RTP of 97%, for every €100 you stake, you can expect to receive €97 back on average.
S
Scatter Symbol: The scatter symbol is often used to trigger bonus rounds, and is usually the only symbol on the reels that the wild does not substitute for.
Stacked Symbols: Whenever the same symbols appear on top of one another on the reels, they are considered stacked.
Stacked Wilds: Whenever the wild symbol appears on top of one another on the reels, they are considered stacked.
T
Total Bet: The size of the total bet in an online slot is the total number of coins staked across all paylines.
V
Variance: The variance of a slot is the payout rate of a specific game. Slots with high variance are programmed to pay out less frequently than low variance slots. Variance can be used interchangeably with volatility.
Video Slot: A video slot game is designed to be displayed on desktop, smartphone or tablet screens using virtual reels instead of mechanical reels.
Volatility: Highly volatile slots are those that pay out less frequently, but with typically larger payouts when they do. Low volatility slots are those that pay out smaller prizes over a greater hit frequency.
W
Wild: A wild symbol is one of the most lucrative symbols in a slot game. Wilds can usually substitute any other base game symbol to improve winning combinations, except scatters. The same way that a joker works in a game of cards.
Win Both Ways: Slots with win both ways functionality can pay out on paylines running right-to-left as well as left-to-right.
Z
Zig-zag: Some slot paylines are designed to go up and down the reels or diagonally. These are known as zig-zag paylines.
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Even if you’re not very familiar with casinos, you can probably still easily picture a Roulette wheel. Roulette is one of the most beloved and popular casino games, especially in the UK. And it’s very easy to see why. The popular game is played in the UK and worldwide for a number of reasons. It’s a fixture in casinos and very easy to recognize and play for most people. It’s fun and easy to learn quickly. Now, you can play Live roulette and many other popular casino games on Tradacasino.com from the comfort of your own home and still experience its many benefits.
Roulette is fun and easy to learn
Over the past years, online games have skyrocketed in terms of popularity in the UK and across the world. From slots to blackjack and roulette, there’s something for everyone. The roulette table consists of two parts. The wheel and the roulette layout. It’s composed of 36 numbered spaces, which are either coloured black or red and arranged in three columns of 12 spaces each, where the number 1 is on top and the number 36 is at the bottom. In a game of roulette, the players bet on which black or red numbered compartment of a spinning wheel a small ball will eventually come to rest on. It’s a game that offers excitement, chance and the planning of strategies. Visit roulette-games.co.uk and learn to play roulette with a step-by-step guide.
Games with pirate or Egyptian themes
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Roulette originated in France
One of the first forms of roulette is believed to have had its origin in France in the early 18th century. The game is named after the French word which means little wheel. It is derived from much older games, and since its birth, it has been developed and modernised many times. It was not until about the year 1790 that the game of roulette achieved its present layout design and wheel structure, and since then it has grown in popularity. Today it is one of the most popular games in casinos around Europe and the world. Read more about the origins of roulette on Britannica.
I kick off my rides on Sunday with Ornellaia in the Moyglare (3.25pm). She’s a lightly-raced filly who was impressive at Goodwood and then built on that when second in a Group 2 a couple of weeks later. It was a pleasing performance and we believe she can continue to improve. She’ll need to stepping up in grade but the team have been happy with her homework and any rain that comes would do her chances no harm at all.
I can’t wait to get back on Bucanero Fuerte in the National Stakes (4.00pm). He was very impressive at the top level last time in the Phoenix Stakes. He’s unbeaten at the Curragh and the step up to seven furlongs should be no problem as it’s a trip we’ve always thought he’d see out well. The way he quickened clear over six last time was really impressive and if anything I think he might be better over seven which is obviously very exciting. The Aidan O’Brien pair look very good colts, but I think our horse might have been a touch underestimated, especially at a track we know he loves.
I ride Revenue in the sales race (5.10pm). These races are always really valuable so it’s a little surprising there are only 12 runners, but it’s great to gave picked up a ride for Eve Johnson Houghton. He’s been consistent in his career so far and this doesn’t look the most competitive of contests so hopefully he has an each-way chance. Eve’s horses tend to run well in these sorts of races and the yard is in form having had that group winner at Salisbury during the week which is always good.
Finally, I get the leg up on Killybegs Warrior in the 1m2f handicap (5.45pm). He’s been pretty solid throughout the year and we ideally don’t want too much rain. He was a bit unlucky at York last time and is well-suited to these sorts of races. The track should suit and he’d have an each-way chance in an open race.
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Euro 2024 will be held in Germany from June 14 to July 14, 2024. We’re in the early stages of qualifications with no more than two games being played per side.
In total 24 will participate in the tournament, and 23 of those sides will come through the qualification process. As hosts, Germany automatically qualifies.
We’re a year out from one of soccer’s most important tournaments – and with lots of qualifying matches left to play – but let’s take an early look at the odds board and who’s favored to win.
Odds to Win 2024 Euro
Odds to win Euro 2024
Team
Odds
France
+500
Germany
+550
England
+600
Spain
+750
Portugal
+1000
Belgium
+1200
Italy
+1200
Netherlands
+1400
Denmark
+2000
Croatia
+3500
Odds as of June 13
Why Is France Favored to Win Euro 2024?
On an international level, the French are the second-best side. Les Bleus were runners-up at the 2022 World Cup. On that World Cup journey in Qatar, France took out some strong European opponents.
They bested Denmark 2-1 in the group stage (the Danish hold the ninth-best Euro odds), Poland in the Round of 16 by a score of 3-1 (Poland is at +5000 for Euro 2024) and then France dispatched the English 2-1 in the Quarter-Finals (England is third on Euro odds board).
Through the short qualification period, France is 2-0-0 with a +5 goal differential while keeping two clean sheets with wins over Ireland and the Netherlands.
Star power is another big factor to consider, and the Bleu-Blanc-Rouge have the biggest star of them all in Kylian Mbappe. The PSG forward has no flaws in his game and dominates at every level.
🇫🇷 Kylian Mbappe has only played in two World Cups in his illustrious career:
✅ 2018 World Cup: 👕 7 games ⚽️ 4 goals 🏆 Champions 🏅 Best YP
✅ 2022 World Cup: 👕 7 games ⚽️ 8 goals 🎯 2 assists 🥈 Runners-up 🥇 Golden Boot
— Sholy Nation Sports (@Sholynationsp) June 6, 2023
In Qatar, Mbappe scored the most goals (8), lead the tournament in goal-creating actions with 11 (five more than the next best-player) and was third for goal-creating actions per 90 (1.74). When it comes to unlocking a game there’s no better player in Europe or even the world than Mbappe.
Euro 2024 Value
France enters the tournament as slight favorites, what sides have greater value and have a chance to win instead of the favorites?
Germany
The hosts are just behind France on the oddsboard at +550. Because of their host status, we don’t have any sense of the form their in. They haven’t played any games because they don’t need to qualify.
If not for a shock 2-1 loss to Japan in the group stage of the 2022 World Cup, Germany would have likely gone much further. They bounced back from that defeat to the Blue Samurai with a 1-1 draw with a strong Spanish side before dismantling Costa Rica 4-2 to close out their tournament.
The Germans will hope that youngster Jamal Musiala builds off a strong World Cup where he was credited with 7.67 shot-creating actions per 90 and an even better 22-23 Bundesliga campaign where he scored 12 goals and had ten assists for Bayern in his 19-year-old season. The kid is only going to get much better.
England
The English are the top-ranked side in Group C of Euro qualifiers with wins over Ukraine (2-0) and Italy (2-1).
Gareth Southgate’s side is winning games they should (against Ukraine) and those where they’re second best (vs Italy). Against the Azzurri, England only had 42% of the possession and 42% of the shots, they even went down a man in the 80th minute thanks to a Luke Shaw red card and still won 2-1.
With Southgate’s contract over in December of 2024, this will likely be his final major tournament. His sides have come close to glory a few times but never won a title. Sadly for the three lions, their returns have been diminishing for the last few years.
England Under Southgate
Tournament
Finish
2018 World Cup
4th
2022 Wold Cup
6th
2020 Euro
Runner-Up
2019 UEFA Nations League
3rd
2021 UEFA Nations League
9th
2023 UEFA Nations League
15th
2024 Euro Dark horse
Every Euro tournament has its dark horse. A team comes out of nowhere and makes a deep run and upsets the landscape.
In 2020, that was the Swiss who finished third in Group A and made it to the Quarter-Finals after beating France in the Round of 16.
Who should you have your eyes on in 2024?
Netherlands
The Dutch are no strangers to this competition. They won it once in 1988 and placed third four times. That last third-place finish came in 2004.
At the 2022 World Cup, the Flying Dutchmen finished fourth with the third youngest squad in the competition. They had an average age of 26. Forward Cody Gakpo was a revelation with three goals in five matches for the Oranje in Qatar.
There’s a lot to like about Holland. At +1400, keep an eye on their qualifying.
Croatia
The Croatians are at the top of Group D with four points in two qualifiers. Remember, they finished as runners-up at the 2018 World Cup and then third in Qatar. Never discount Croatia at a major international tournament. With +3500 odds you could make $350 on a $10 bet backing them this early. That’s very tempting.
Last Five Euro Winners
Last 5 Euro Winners
Year
Team
Opening Odds
2004
Greece
+15000
2008
Spain
+450
2012
Spain
+250
2016
Portugal
+1800
2020
Italy
+700
Favorites typically win this tournament. They have deep squads overflowing with some of the most talented players in all of Europe. But every few years a dark horse goes all the way and is crowned Kings of Europe.
At +15000 Greece, and those who bet on them, haven’t yet forgotten about that tournament in 2004.
Last Five Euro Runners-Up
Last 5 Euro Runners-Up
Year
Team
Score
2004
Portugal
Lost 1-0 to Greece
2008
Germany
Lost 1-0 to Spain
2012
Italy
Lost 4-0 to Spain
2016
France
Lost 1-0 to Portugal*
2020
England
Lost 3-2 to Italy**
*After extra time **Game tied 1-1 after extra time, ended 3-2 in penalties
The Euro finals are a low-scoring affair. Over the last five tournaments, three or more goals have been scored only once. It’s worth exploring the UNDER when the Final comes up in July of 2024.
If you were to make a traditional straight-up bet, the favorite would be shown with the minus sign (-). In cases like these where there is no clear front-runner, the country with the lowest odds is the fave even if they’re all represented with the plus sign (+) which is generally used to demonstrate underdogs.
Let’s say you’ve looked at the group schedule and think Belgium is going to dominate and make it all the way to the top. A $100 bet would give you a payout of $650 – your original money is returned coupled with your winnings of $550.
Our Odds Calculator is a tool that will tell you how much you’d win based on the offered odds and amount bet.
What is a Futures Bet on the Euro Championship?
A futures bet is a wager made far in advance of a big event. Here, the bet is on the quadrennial Euro contest. It can be said that most bets are made prior to a sporting matchup, but futures can be placed weeks, months or even years in advance. In fact, as soon as the last championship is won, new odds will be released.
The odds will shift as the group stage gets closer and continue to move until right before the final is played on July 14, 2024, at the Olympiastadion in Berlin. If you see odds you like, take them to get the most value on your bets (should you win).
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OTTAWA, Canada, July 12, 2023 — Digital Opportunity Trust and the Mastercard Foundation are partnering to support over 300,000 young women and men to gain relevant entrepreneurial skills and foster a network ecosystem of support for young leaders.
The “Going Beyond – Partnering for a Youth-Led Future” project aims to scale DOT’s evidence-based, peer-to-peer model and will be executed in four African countries – Côte d’Ivoire, Malawi, Zambia, and Tanzania. The linkage to DOT’s model ensures comprehensive digital and business skills training, leadership development, coaching, peer-to-peer learning, and networking.
The Going Beyond project will foster a network ecosystem of support for young leaders with the aim of improving their quality of life and building their resilience, agency, and amplifying their voice. Notably, the project will also introduce a leaner, more scalable model for long-term, transformational change by fostering a community of practice among a continuously expanding ecosystem of partners.
Over five years, and with the support of DOT regional hubs in Africa, the Going Beyond project will progressively transfer the responsibility for delivering DOT’s programs and equip youth as leaders of the future through a three-pronged approach:
Strengthening the capacity of 40 local youth-led and youth-led organizations (YLOs) to deliver high-quality digital livelihoods programming.
Training and supporting 4,000 young people (Youth Leaders) under the guidance of YLOs as digital business coaches and facilitators to deliver locally appropriate and culturally relevant digital inclusion and enterprise growth programs to their peers.
Training 300,000 disadvantaged young people with nascent Micro, Small, and Medium Enterprises (MSMEs) in digital and entrepreneurship skills, 70 percent of whom are young women.
Most importantly, the project places young people at the center of the solution, tapping into their creativity, energy, and passion for making a difference; going beyond conventional development practices and extending impact to new countries for both organizations, without the need to establish and operate new offices.
““The Going Beyond program, which will harness the power of young people to lead community-driven solutions and create and obtain dignified and fulfilling work in four countries – Côte d’Ivoire, Malawi, Tanzania and Zambia – is an opportunity to tell a compelling story of youth leadership and capacity to transform Africa – and to catalyze the adoption of youth-led approaches across the continent,” says Janet Longmore, Founder and CEO, Digital Opportunity Trust
“Violette Uwamutara, Regional Vice President of Africa, Digital Opportunity Trust agrees, “DOT is excited to serve as regional hubs for this project and build a network of connected individuals, organizations and MSMEs that share knowledge, support each other and shift the mindsets of their peers, communities and systems – trusting youth as the leaders of community transformation and our future.”
The ‘Going Beyond’ project aligns with the Mastercard Foundation’s Young Africa Works strategy, which aims to enable 30 million young people in Africa to access dignified and fulfilling work by 2030, particularly young women. It extends the impact beyond youth in work to advance youth leadership, digital skills, gender equality, and women’s empowerment.
Africa’s youth population represents a significant pool of human capital that can drive economic growth and social progress. Young people have the potential to be at the forefront of innovation and entrepreneurship in high-growth sectors such as technology, climate-smart agriculture, and renewable energy. Women and girls, in particular, can play a crucial role as powerful agents of change in their communities, contributing to economic growth and social progress.
Despite being a youthful continent, Africa faces significant challenges in harnessing the potential of its youth population. The continent has the highest youth unemployment rate globally – 20.8 percent in 2020 – more than 2.5 times higher than the adult unemployment rate. This situation is particularly dire for young women.
““Going Beyond is designed to envision young people as leaders in their communities, and we believe that a combination of YLO capacity building, locally appropriate 21st-century skills, entrepreneurship, and MSME support will be an effective means of bringing this vision to life while addressing youth employment in the four countries this project will be executed in. In addition, Going Beyond’s work, which is also in line with the Young Africa Works strategy, will help young women and men find dignified and meaningful work,” adds Reeta Roy, President and CEO, Mastercard Foundation.
When applied in this way, the youth-led model equips young people with market-relevant technical skills and the confidence to secure, sustain and thrive in the 21st-century working world, in turn creating a ripple effect of change in communities across the African continent, with young entrepreneurs becoming catalysts for broader behavioral change and inspiring others to follow in their footsteps.
About Digital Opportunity Trust
DOT is a Canadian-based not-for-profit organization headquartered in Ottawa, Canada, with a ‘footprint’ across 12 countries. DOT has locally managed offices in Africa, the Middle East; Tanzania, Ethiopia, Rwanda, Kenya, Lebanon and Jordan; Canada and the UK. DOT’s presence extends to Ghana, Uganda, Malawi and Zambia through local partnerships with youth-led organizations. As a youth-led movement of daring social innovators who have the tools, knowledge, and networks to create opportunities and transform their communities in Africa and the Middle East, DOT has created an impact in over 25 countries as development innovators and catalysts placing youth at the center of its activity to unlock their potential, bridge the digital divide across communities, and inspire young people to realize their potential in an inclusive digital economy. www.dotrust.org
About The Mastercard Foundation
The Mastercard Foundation is a Canadian Foundation and one of the world’s largest foundations, with a mission to advance education and financial inclusion. It works with visionary organizations to enable young people in Africa and in Indigenous communities in Canada to access dignified and fulfilling work. The Foundation was established in 2006 through the generosity of Mastercard when it became a public company. The Foundation is an independent organization and separate from the company. Its policies, operations, and programs are determined by the Foundation’s Board of Directors and leadership. For more information on the Foundation, please visit www.mastercardfdn.org.
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We sit down with the financial crime trainer and apprenticeship coach to discuss why he left the police force, how criminal investigations have changed over time, the importance of education and accountability in an anti-fraud strategy, and why he would never become a KYC specialist.
Paul Stratton has always wanted to be a police officer. In fact, during a recent house clean-up, his wife discovered a childhood picture of Paul and his brother dressed up as characters from ‘Chips’ (an 80’s TV show about two motorcycle officers from the California Highway Patrol).
However, after 22 years of working for Merseyside Police, including almost four years in the Fraud Unit, Paul knew he had to leave.
“It got to the point where I was struggling with the lack of team ethos and internal politics. Before moving to the Fraud Unit, I was investigating domestic abuse, violent crimes, and sexual offences, and was starting to feel like an Uber driver, where the next job would just pop up in my inbox. I just didn’t have time to follow up as much as I wanted to with the people I had helped and that always bothered me.
“Victim care is something that the police talk a lot about and I think it’s just become a soundbite. I don’t think we are doing as well as we could with victim care in certain areas of policing, and it frustrated me to just follow up with phone calls.”
Little wonder then, that Paul left the police to pursue a career in fraud and financial crime training and raising awareness of the harm of fraud.
The importance of education, accountability, and tangible messaging in the battle against fraud was a recurring theme in our discussion, as Paul believes a lack of consistent education – to the public, to the police, and the wider public sector – is a significant issue in the UK’s fight against fraud attacks. These rates, Paul believes, will not go down until that education gap is filled.
You can create the best strategy in the world, but it’ll just collect cyber dust unless there’s tangible messaging that is shared with the public. There’s no real messaging, and that’s where I fear it’ll fail.
Paul Stratton, financial crime trainer and apprenticeship coach.
“We can’t hold departments accountable because, besides the general aim to reduce fraud by 10% by 2025, there are no specific figures [that they wish to hit] or how they’re going to do it, and no one knows what they’re tangibly supposed to be doing. British Prime Minister Rishi Sunak set out his five priorities for 2023, and, like them or not, they are clear, so why aren’t we doing something similar with the UK’s fraud strategy?”
In this interview, we discuss everything from Paul’s skepticism regarding the strategy’s 400 promised new fraud officers, why he hates words like ‘scams’, ‘white collar crime’, and ‘money mules’, and why we’re still probably one or two generations away from fully recognizing the impact of social media and acting upon the dangers of online crime.
From detective at Merseyside Police to fraud specialist at Liverpool City Council, and currently, a full-time fraud apprenticeship coach and fraud and financial crime trainer, why the career change, and what are the main differences and similarities in roles, if any?
I spent 22 years with Merseyside Police, and never wanted to leave, in fact I still consider myself police, but I had to leave as I knew there had to be something better out there. Somewhere where a work/life balance is achievable.
I brought the same principles and work ethic into my role at Liverpool City Council. In fact, it was working at the Council where I learned the most about fraud, corruption, bribery, conflicts of interest, gifts and hospitality, social media, KYC, and all the other typical red flags you look out for in police investigations.
What did a typical day look like at Liverpool County Council?
I oversaw the Whistle Blowing process, reviewing, and allocating cases, and I was the lead investigator for all allegations of internal fraud and potential criminal activity. I was also part of the council’s effective Due Diligence Group and developed the council’s new Fighting Fraud & Corruption Together strategy.
In 2020-2021, Liverpool City Council received a lot of bad press due to claims of widespread corruption, which led to numerous police investigations and government intervention.
I started my role just after the controversy started, so a lot of my work was focused on trying to bring Liverpool City Council to a point where there was that awareness of fraud and best practices. So, I would work virtually every day on building and delivering educational and engaging training sessions.
We talk a lot about anti-fraud culture, and counter-fraud culture – that’s a phrase that’s bandied around. But anti-fraud culture is a difficult thing to achieve, as that would mean everybody knows about fraud, and how to prevent it and protect themselves from it.
What led you to leave the Council and launch your fraud and financial crime training and consultancy business?
It’s something I’ve always wanted to do. I am committed to providing quality training to delegates. Long gone are the days when trainers could just sit in front of a PowerPoint and talk for an hour. It must be immersive, with tasks, real-life examples, and problem-solving sessions. People want, need, and deserve more. This is especially true in the public sector, where there’s very little money to train people, so when a trainer does come in, it’s vital they deliver the best learning they can.
How have criminal investigations and intelligence operations changed in the two-plus decades since you began?
Since I started, back in 1998, it’s changed dramatically. For example, when I joined there was very little education on evidence-gathering at a scene, but now, with technology, recruits are even receiving Open-Source Intelligence (OSINT) and social media training.
Whether it’s over Facebook (which it inevitably is), or Instagram or Twitter, investigators need to know and understand how to secure digital evidence. That’s where a lot of the crime exists now. It’s not in person anymore – it’s online.
Would you say the perception of fraud has changed over the years?
Yes and no. When I started in the police, the Fraud Unit, which was called the Cheque and Fraud Wing, would only deal with cases of a certain amount; it had to be of high value for them to even become involved.
Some police forces, like Merseyside Police, have now shifted to harm-based assessments, where they look at the harm caused by fraud. Yes, the monetary amount is important, but it’s not everything.
Paul Stratton, financial crime trainer and apprenticeship coach.
For example, £1 million in losses to a huge organization is a speed bump in relation to a single parent losing £500 in a month and being unable to pay the rent. You see this with romance frauds, where people lose everything.
I think the perception of fraud can be too rarefied; we think ‘fraud’, we think “white collar crime,” and it’s a phrase I can’t stand, because many equate “white collar crime” with a business crime.
The last suspect I ever interviewed before I left the police was a young lad involved in a gang that were dealing drugs and other types of criminal activities like selling fake Liverpool and Everton tickets. And they were doing all that through a bank account they’d created with the name of a vulnerable neighbor, and had done it horrifically easily at the time. There are increasing numbers of gangs moving into fraud and money laundering now.
What are your thoughts on the UK’s recently-released fraud strategy? Do you think it goes far enough, and is dedicating resources in the right place?
I think anything that looks at reducing fraud is a good thing. However, [in the strategy] there are a lot of new names for old teams, and reinventing the wheel somewhat, but that’s often law enforcement’s way. We go from priority to priority. You won’t have a burglary team for two years, but then you have a huge burglary problem, so you assemble a burglary squad and solve that problem, then move onto something else. Such is the lack of resources to specialize in everything at once.
One of the things that I’m skeptical about is the government’s pledge to get 400 new specialist investigators. I don’t think these can be existing police officers, as no police force has enough staff to do what they need to do right now. So, I’m not sure where any new fraud specialists are going to come from, and whether they’re going to be trained or not.
I also don’t think the fraud strategy factors in the educational component. The strategy may be on gov.uk, but are people seeing it in any kind of usable format?
Are we doing enough education-wise with the public? I can’t ever remember seeing an advert on fraud prevention from the government. I see adverts about giving to charity and how people can spend money, but I don’t see adverts on how people can protect their money.
In the Foreword to the strategy, Home Secretary, Suella Braverman spoke of the need for coordinated collaboration between the police, the public and private sectors, as well as allies abroad. In your opinion, what is the most important component of a successful fraud strategy? Conversely, what hinders or can negatively impact the strategy, or a fraud investigation?
Intelligence sharing between the public and private sector and international arena is nothing new. The fact that, in 2023, we’re still talking about better intelligence sharing shows how far behind we are. From an investigator’s point of view, the mechanisms already exist for effective intel sharing. We have the National Crime Agency, which does a lot for police forces when they’re investigating abroad.
For example, if I was investigating bank accounts or looking to get an IP address, we have Financial Intelligence Units that can act in the international arena. We have the Financial Action Task Force for money laundering.
We need to look at how this affects investigators, and how we can make their jobs easier.
I know they’ve assigned an MP (Member of Parliament) with the role of Anti-Fraud Champion [Anthony Browne, MP], which is fantastic, but I think it needs to be more effective than just naming someone a champion.Is giving this role to one MP enough? How is he going to do that amongst his constituency work, and other responsibilities? (Read more about the UK’s Anti-Fraud Champion, Anthony Browne here).
Fraud accounts for 40% of all crime, 80% of that fraud is cyber. If this was burglary (or firearms), I can guarantee there’d be more press, and people would understand what steps the government is taking, and people would be more educated.
Paul Stratton, financial crime trainer and apprenticeship coach.
But, for some reason, fraud is just not considered as severe. It’s almost perceived as a sort of invisible crime, where a lot of victims may report it but be too embarrassed to tell people about it.
For example, with romance fraud, many people may think the victim has brought it on themselves and should have been wiser.
I don’t like the term ‘money mules’; I call them money movers. I also don’t like the word ‘scam,’ people do not ‘fall for scams.’ They are defrauded by criminals.
People may have a lack of empathy when they hear “falling for a scam,” and think how could they send £500 pounds to someone they’ve never met? Well, that’s the way of the world now – that’s how we meet people in 2023. We’ve moved on; we’re probably one or two generations away from a full understanding of the impact of social media.
People now spend their lives online; on LinkedIn, on Instagram, everything’s done over email, if someone even rings you now, you think there’s a problem.
I think it’s the same with fraud and understanding the full effects of it. I don’t think we’re going to get over the “How could they fall for that scam” for a couple of generations because people just think, “Well, I met my partner in person or I still bank in branch,” and it doesn’t work like that. Those days are gone.
It’s for the same reason that people don’t like to be called “victims.” In the police, we call them complainants because they are complaining about a crime.
Words matter.
Apparently, just 1% of police resources are dedicated to tackling fraud, despite fraud accounting for 40% of all crime in the UK. Why do you think fraud is such a neglected area?
Action Fraud has had a lot of bad press, and I don’t think people actually understand what they do. Not to diminish their work at all, but Action Fraud is like a call center and data warehouse. People call up and make a complaint; they’re not staffed by experts, or detectives or fraud experts.
What hinders the effectiveness of Action Fraud is that we don’t tell people what Action Fraud is or manage people’s expectations enough to say that the complaint may not be investigated. So, when they get a letter a few weeks later, saying that the complaint is not being investigated, with no explanation, it’s tough. Whether it’s £50 or £5 million, you deserve a reason why the suspected crime isn’t being investigated, and you would get that if you were assaulted, for example. [Action Fraud will be replaced in Q2, 2024 with a new division. Read more about how it fits into the UK’s wider fraud revamp here.]
Paul Stratton and his little brother dressed up as characters from the hit 80’s TV show, Chips.
And that understandably has an impact on future reporting habits?
Of course, people just won’t bother reporting fraud. For years, victim support has been around the physical: assaults, sexual offenses, murders. But what do we do for people suffering financial and emotional loss because of romance fraud? Not enough.
What most hinders an investigation, however, are the low numbers of staff, and inadequate training. Officers, detectives, and investigators all need to be trained, whether that’s in document fraud, cybercrime, or how to find an IP address from an email. Unfortunately, this is not always the case in the public sector, with local authorities. Although this is being changed with the recent Counter Fraud Investigator Apprenticeship.
I suppose if complainants believe they are unlikely to receive any of the stolen funds back, then this would also have a knock-on effect in reporting rates?
Yes, you’re right, the ease with which Proceeds of Crime (stolen funds) can be moved around into multiple bank accounts is scary. A lot of people may think that if it’s only £100, they won’t report it, because they’re not going to get their money back, and it’s more effort than it’s worth.
Once that money is spent, even if the perpetrator is caught, it’s very difficult to get it back.
Let’s say the perpetrator resides in the UK, and you get them, the likelihood is they’re doing it for a reason: because they have no money or they’re greedy, so they’ll just spend it. It may not bother them if they get convicted, because they’re not going to get a job where they need a DBS check anyway.
Regardless of how much money has been lost, that shouldn’t necessarily factor into the decision to a) report it, and b) investigate it. We must look at harm. Unfortunately, currently, Action Fraud just does not do that.
The fraud strategy has earmarked £100 million for additional police resources. Is that enough?
No, it’s not; we lose millions of pounds every day to fraud. Again, it’s not the amount, it’s where it’s going.
Putting maybe one more detective into a fraud squad will take the pressure off, and really help get more positive outcomes, but I think there needs to be real education, and refresher courses on, for example, the blockchain. Can some of the money be used to procure external services, and bring someone in to talk about it? We just don’t know. Can we bring experts in to help the police with investigations, because we don’t know everything.
Of course, there’s a balance to strike, and you don’t want to saturate people with information on fraud and get people scared. Perhaps the best approach would be to properly publicize new fraud initiatives that show how the money is being used. Help teachers get training on fraud prevention, train doctors in how to deal with the mental health ramifications of fraud.
Education is a recurring theme, as is responsibility. Responsibility of the government to educate people, responsibility of victims to report complaints. What about companies and service providers, where does the responsibility lie there? What role will technology, and in particular KYC and identity verification services, play in the future of fraud prevention?
They bear a huge responsibility, don’t they? Having recently been onboarded by a company, it’s all completely digital now, isn’t it? One of the cases I dealt with before I left the police was with a new online bank, where a lot of criminals were using their friends’ photographs, passports and licenses to open bank accounts.
Knowing Your Customer (KYC) is everything really. And, it’s not just knowing your customer, it’s knowing your applicants, and knowing your staff. It’s having all these things in place, especially in recruitment, as document fraud is rampant, so it’s a huge responsibility.
You’ll have KYC specialists in banks, but what about the public sector and other private companies? In recruitment, for example, you’re relying on recruitment staff – are they getting the training they need? Are they all aware of the threats of fraud? Do they understand what KYC is?
I can only speak from the public sector, but the public sector and local authorities can learn a huge amount from banks and a huge amount from the private sector.
From a fraud investigator’s point of view, I think it’s going to get harder and harder, because long gone are the days where an applicant or consumer must come to a business, and if you’re opening a bank account nowadays, it’ll be online, and you don’t have to see anyone.
I don’t envy KYC staff – let’s put it that way. It’s not a job I’d like to do; there’s a lot of risk on their shoulders to develop, keep themselves regularly updated.
In this technological age, it’s also important to remember that fraud is about people as much as it’s about AI and machine learning. Someone must press that button at the start, and someone must be a victim at the end.
If you’re interested in more insights from industry insiders and thought leaders, check out one of our interviews from our Fintech Spotlight Interview series below.
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