Malta Gaming Authority MGA Enhances Licensing Process with AI

The Malta Gaming Authority, or MGA, strategically integrated Artificial Intelligence into its regulatory process in 2025. The introduction of AI tools aims to scan license information and identify potential risks early. Despite the use of modern technology, the MGA emphasizes the central role of human oversight in all decisions.

The authority intends to use existing resources more efficiently through this step. The goal remains to maintain the integrity of the gambling sector and better protect players. The human factor continues to be the final corrective.

Numbers and facts

In 2025, the MGA approved 19 out of 38 new license applications. Eight of ten renewal requests also received approval. Two applicants failed due to submitting false or incomplete information. The MGA's "Fit and Proper Committee" reviewed 20 companies and 38 individuals for their suitability. They were assessed against suitability standards. In parallel, the authority completed 15 full audits and 109 targeted reviews. 35 cease and desist letters were issued, and 22 warnings were sent. One license was suspended, and two others were completely revoked. Player support handled 3,718 cases, while licensees submitted 280 suspicious betting reports. Furthermore, the MGA found that 42 of the 109 fraudulent websites reviewed contained false references to the MGA or its licensed companies. The authority shared 192 integrity alerts and participated in 66 international investigations.

Background

The MGA uses AI as the first filter layer, not as the final decision-maker. One system checked initial applicant data for criminal probity concerns. Another searched "Industry Performance Returns" for patterns and anomalies. This is intended to reduce the scope of manual reviews and relieve human checkers. Charles Mizzi, CEO of the Malta Gaming Authority, commented succinctly:

“We recognise that AI tools are not infallible; accordingly, our approach places human oversight and verification at the centre of every implementation.” - Charles Mizzi, CEO, Malta Gaming Authority

The MGA is also the first authority to develop a specific governance framework for AI in the gambling industry. This framework aims to provide operators with more clarity on how to use AI responsibly. This is done in coordination with the upcoming EU AI Act. Mizzi emphasized that licensees are also involved in the development of this framework. Workshops, surveys, and case studies are incorporated into the guidelines. Collaboration with the Malta Digital Innovation Authority is also part of the process. Earlier reports, such as the MGA's 2019 annual report, already showed a strong focus on compliance. At that time, 14 licenses were revoked and 11 suspended. 89 applications were submitted, and 53 licenses were issued. 1,300 probity screenings were conducted to mitigate risks such as money laundering. This shows that the MGA has long pursued a strict approach.

Why it matters for German players

For German players who consciously choose licensed online casinos, the MGA's approach has no direct impact on their gaming options in Germany. The German gambling market has been regulated by the Joint Gambling Authority of the Federal States (GGL) since the GlüStV 2021. Only casinos on the official GGL whitelist are legal in Germany. These implement strict requirements, including a monthly deposit limit of 1,000 euros via the central monitoring system LUGAS. A bet limit of 1 euro per spin on slot machines is also mandatory. This differs significantly from regulatory practices, for example, in Malta, where different limits and player protection measures apply. While the MGA optimizes its licensing processes through AI to combat fraud and criminal activities more effectively, for German players, strict national protection mechanisms remain a priority. Anyone playing in Germany should always check whether the provider has a valid GGL license. This offers the highest security and best player protection.

What it means for GGL-licensed casinos

The MGA's approaches show a clear trend in gambling regulation: the use of technology to increase efficiency and better detect risks. The GGL and German authorities could also benefit from such developments. Intelligent data analysis can help identify problematic playing patterns early and identify suspected money laundering cases more effectively. The monitoring system LUGAS, the central self-exclusion system OASIS, and the checking of deposit limits are already digital tools. Expanding these with AI-powered risk analysis could further strengthen player protection and the integrity of providers. For GGL-licensed casinos, such an approach means that the requirements for data provision and compliance are likely to increase further. The focus is on transparency and the early identification of potential problems. Ultimately, this supports the goal of a safe and fair gambling environment in Germany.