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Germany’s iGaming Regulation Is Changing

Germany’s iGaming market is entering a major regulatory shift.
Based on strong indications from the German regulator (GGL), affordability checks are expected to move away from traditional Schufa-based credit scoring toward income-based verification powered by Open Banking, with implementation expected January 1, 2027.

In this whitepaper, Kreditz breaks down Germany’s upcoming affordability reforms and explains how Open Banking and AI-powered financial analysis can help operators stay ahead of regulatory change.

Inside the whitepaper, you’ll learn:

  • Why Germany is replacing traditional affordability assessment methods
  • How the new deposit-limit and affordability framework will impact operators
  • What the end of Schufa-based assessments means for player verification
  • How Open Banking enables real-time income and affordability checks
  • Practical steps operators can take today to prepare for the 2026 regulatory changes
  • How AI-driven affordability monitoring can improve both compliance and player protection

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