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OKTO: As cashless becomes king, land-based gaming requires an industry-specific solution

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As a provider of digital payments for the entire high street, fintech firm OKTO stands out as having a unique cashless solution that caters to the nuanced needs of the UK’s highly regulated land-based gaming sector. As demand for such solutions accelerates due to the global pandemic, Dimitar Shopov, OKTO Wallet Commercial Owner, explains how crucial it is that operators pick a partner that understands the specifics of their industry, whilst also evolving its technology to keep up to date with global fintech trends.

On a global basis, how busy has OKTO been since the start of the pandemic? Has there been a notable increase in interest and urgency for the installation of cashless systems?

It is a question we are increasingly asking ourselves as a society: “Do we still need cash?” The decline in the use of cash and the concurrent rise in digital and card payments has been charted for years, but the pandemic definitely marks the real beginning of the end of cash in many mature markets like the UK who is a fast adopter, ushering the interest and urgency toward cashless systems.

A combination of contributing factors play a role here; tech advances, measures from authorities, and actions from big retailers across the world that have already adopted the use of digital payments as a safer method to maintain social distance and contain the spread of the COVID-19. Cashless systems have increasingly become the new norm, simply due to the fact that society demands it.

Now, all our partners are asking us how we can help them transition to cashless operations and the driver is always the same; the ability to respond to their users’ demands, leverage user services and experience and reduce cost and risk of cash. And that is what we deliver with our OKTO.WALLET solution.

Is the UK a market you are monitoring in respect to its uptake of cashless payments?

The use of cash has been falling around the world and the pandemic along with the fear of infection from bank notes are accelerating the trend away from cash towards digital payments. The UK ranks higher than all other countries in the EU when it comes to cashless payments for a few years now.

Naturally, not everybody is ready for a digital switchover, but it’s apparent that more and more people turn to digital payment options. Cash’s share of in-store transactions in the UK plummeted from 45 percent in January to 23 percent in July, per a report from Square that analyzed data from hundreds of small- and medium-sized businesses (SMBs) across the UK while the digital will likely retain greater popularity. Therefore, as a fast adopter, the UK was a natural fit for us to invest in this market, creating a powerful solution, designed to address the needs of the Pub & AGC sector with the main mission to be the enhanced user experience.

And here comes the question: Will we ever have a digital alternative that offers the same mix of convenience and freedom as cash? For me the answer is yes. Contactless forms of payment have created a new level of convenience for people around the world, and this has provided a real boost for certain industries, from gaming and betting to hospitality sectors. OKTO.WALLET solution is not only the safe and fast transactional tool that both users and merchants demand but it also offers users the freedom to move and use their funds as they wish instantly.

How do you think Covid-19 has accelerated this increasing disdain for products and services that require cash payment? Does another round of government restrictions in the UK spell further worry for cash-only businesses?

A few years ago, while I was walking through London, I noted some signs dotted around a pub that announced the complete move from cash to customers: “Apologies, but it is the digital age.” Don’t forget that there are benefits in digital payments that make life easier not only for the pubs but for all retail businesses. Think about it, at the end of the night whatever the retail business is, the people there need to count up endless piles of coins, managers need to transfer bags of cash to be lodged at the bank, also there are the additional charges to processing cash transactions versus digital ones and so on. All these can be eliminated with the digital cashless payments.

The trend was there and Covid-19 came and sped up that trend. All the cashless benefits along with the fact that banknotes and coins have been identified as a medium for transmitting the pandemic is clearing the way for another stellar rise in digital payments.

I cannot see the crystal ball and make the prediction for further pandemic-related worries for cash-only businesses, but when you hear announcements from World Health Organization back in March, recommending people to turn to cashless transactions to fight the spread of Covid-19, and rapidly a number of governments and retailers across the world took action, you can realize the evident concern. This shift should not be underestimated, as cashless transactions become the norm and rapidly impact niche industries like hospitality and gaming.

A cash-free future is getting closer, and the new lockdown is further accelerating that shift, but this change won’t be a 100 percent switch over night, there will be a prolonged period cash and digital payment options living side by side. After all, consumer payment choice is one of the most essential ways to maximise a merchants revenue potential, and operators should ensure that they will offer their customers the same level of choice in payment options as other sectors of the leisure industry, offering cashless facilities and we are here to assist operations in this transition.

Despite being a fintech provider to many markets across the world, OKTO clearly sees gaming as a particularly important one. How does this focus on gaming, whilst also offering all the benefits of neo-banks such as Monzo and Revolut, put OKTO in a better position to serve the market than competing cashless solutions in this space?

There are plenty of cashless solutions available and it can be confusing at times, what and why different digital solutions are better suited to certain sectors, and this is especially true in gaming.

But, it’s crucial for any operation to back the right horse. It’s imperative to choose a reliable solutions partner and few providers are focusing on the nuanced needs of gaming operators, especially for land-based, which make us unique in what we do. At OKTO, we want to assist our partners to make informed decisions for both their businesses and customers. Now with the industry to face more challenges than ever gaming operators need a payment service to ease the burden rather than add to it. Industry-specific, mobile-first and open-loop are the keys here.

A payment provider with a mobile payment platform, tailored for the gaming industry that aims to reduce payment friction, enhance the user experience, allowing real-time e-money fund transfer in a simple, secure and fast way is the answer to their quest. When this comes with a universality, then this is a sure bet, as consumers can use, move and collect their funds anywhere, not just for gaming.

Having a dedicated team on gaming, are you confident OKTO is well-equipped to cater to the needs of such a heavily regulated industry, where the expectations for compliance, data protection, and social responsibility are higher than any normal consumer market?

It’s vital to choose the right partner as I previously said; one that utilises field-proven technologies and has the extensive know-how of key integrations across all physical touchpoints of a gaming venue ranging from gaming machines to Self-Service Betting Terminals and Cash Redemption Terminals as well as a strong understanding and proven ability to integrate the wallet with digital touchpoints. We have exactly this 360 approach through our OKTO.WALLET solution, that the operators need to get ahead.

Heavily regulated industries are not unknown to us. We have an extensive understanding of the current climate; and we have developed solutions that ease compliance issues. Utilising the highest level of data encryption, we ensure all users data are fully encrypted while also all fund transfers are audited using market-proven algorithms to detect fraudulent activity including not only Money Laundering but also game manipulation and cash peripheral attacks.

Social responsibility is also at the top of our minds. With tools available through the OKTO app, we cover the social responsibility quota, incorporating a strict age verification process, time-out periods, betting limits, and profit and loss calculator tools that further enhance consumer protection as well as a dedicated section embedded in the app with national problem gambling helplines.

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Hybrid Live Casino: Where table trust meets slot‑style engagement

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As the lines between gaming verticals continue to blur, operators are rethinking how live casino content earns player attention and time on site. A new category, Hybrid Live Casino, is emerging at this intersection, blending the trust and clarity of presenter‑led table games with the spectacle, progression, and feature‑driven energy traditionally associated with RNG mechanics.

One of the clearest expressions of this shift can be seen in ENJOY Gaming’s newest release Energy Roulette, which maintains the familiar cadence of classic roulette while introducing multi‑stage engagement moments, including a feature-rich, slot-style hold and win bonus round, that feel native to the live environment rather than added on.

ENJOY Gaming’s Director of Account Management, Dimokratis Papadimos, discusses the evolution of player behaviour, the commercial opportunity behind Hybrid Live formats, and what it takes for suppliers to design experiences that feel cohesive rather than gimmick‑driven.

 

How has player behaviour evolved in recent years, particularly in terms of crossover between slots and live casino?

Player behaviour has become far more fluid. Historically, players tended to stay within a single vertical, but that distinction is fading. Today’s player is less concerned with product categories and more focused on the quality of the experience, including the entertainment value, volatility, and engagement. What we’re seeing is a growing overlap between slot and live audiences. Slot players are increasingly exploring live environments, but they bring their expectations with them. They’re looking for feature-driven gameplay, bigger moments, and a sense of progression. At the same time, live players are becoming more open to formats that introduce additional layers of excitement beyond the traditional table experience. This convergence is creating a new type of player who expects the best elements of both worlds, rather than choosing between them.

Slots and live casino have traditionally been treated as distinct verticals. Why do you believe those boundaries are becoming less relevant today?

The distinction was largely shaped by technology and distribution. Slots were built around individual, fast-paced sessions with strong mechanics, while live casino focused on authenticity, trust, and social interaction.  But those technical limitations no longer apply in the same way. Streaming quality, UI design, and game engines have evolved to the point where you can begin to blend these experiences seamlessly.  More importantly, player expectations have shifted. Players don’t think in terms of “slots” or “live” – they think in terms of entertainment. If a product delivers engagement, transparency, and excitement, the underlying category becomes secondary. As a result, the traditional boundaries are no longer a constraint; they’re an opportunity.

How would you define Hybrid Live, and what makes it more than just adding features to a traditional live game?

Hybrid Live is not about layering mechanics on top of an existing product – it’s about designing a new experience from the ground up that integrates the strengths of both verticals. At its core, Hybrid Live combines three elements: the trust and presence of a live host, the structural clarity of a table game, and the engagement mechanics typically associated with slots. The key is balance. If the feature feels disconnected from the live experience, it loses credibility. If it’s too subtle, it doesn’t add value.  A true hybrid is cohesive. The mechanics, pacing, and presentation are all aligned so that the experience feels natural rather than engineered. That’s what differentiates it from simple feature add-ons.

Hold & Win has been a cornerstone mechanic within slots. What are the key challenges and opportunities when adapting a mechanic like this into a presenter-led live format?

Hold & Win has proven to be highly effective within slot games by creating anticipation and a sense of progression, but translating that to a live environment requires careful design.  The biggest challenge is preserving the integrity of the live experience. Players need to feel that the game remains transparent and presenter-led, rather than dominated by a feature that could feel detached or overly complex. Timing is also critical. In slots, everything is immediate. In live, pacing must work both for the player triggering the feature and the wider audience watching.  The opportunity, however, is significant. When adapted correctly, Hold & Win introduces a multi-stage win journey into live casino – a concept that has traditionally been missing. It transforms a single outcome into an event, building tension and engagement over time. This is where formats like Energy Roulette demonstrate the potential: the base game remains familiar, but the moment of a win becomes more immersive and dynamic.

From an operator perspective, what commercial advantages can hybrid live formats offer in terms of engagement, cross-sell, and differentiation?

Hybrid formats open up several commercial advantages. First, they naturally support cross-sell by appealing to both slot and live audiences within a single product. This reduces friction for players who may be hesitant to switch verticals. Second, they tend to drive deeper engagement. Feature-based gameplay introduces longer session times and more memorable moments, which can positively impact retention. Finally, there is a clear differentiation benefit. The live casino space is highly competitive, and many products follow similar structures. Hybrid Live allows operators to offer something distinctive without moving away from trusted formats like roulette or blackjack. It’s not about replacing existing products – it’s about expanding the portfolio with experiences that stand out.

Do you see Hybrid Live as a short-term innovation cycle, or part of a longer-term evolution in how live casino is designed and consumed? Where does ENJOY see this category developing over the next few years?

This is part of a longer-term structural evolution rather than a short-term trend. The convergence across verticals is driven by player expectations, which will continue to evolve. Looking ahead, we expect Hybrid Live to become a defined category in its own right, with more sophisticated mechanics, stronger visual identity, and deeper levels of interactivity. The challenge for developers will be maintaining simplicity and accessibility while introducing richer experiences. At ENJOY, the focus is on building formats that feel intuitive, scalable, and commercially viable for operators. The goal is not to innovate for the sake of it, but to create products that genuinely reflect how players want to engage with live casino today. Energy Roulette is an early example of that direction, but the broader ambition is to continue exploring how proven mechanics can be reimagined in a live context in a way that feels both authentic and forward-looking.

A strong example of this principle in practice is ENJOY Gaming’s Energy Roulette, which was designed from the outset as a unified hybrid experience rather than a standard table game with bolt-on features. Its live-presented flow remains structurally identical to classic roulette, yet the game introduces organically integrated moments — including a multi-phase Hold & Win bonus round — that elevate the emotional rhythm of play without disrupting familiarity. This illustrates how hybrid mechanics can enhance the genre while still preserving the trust, presence, and clarity that define live casino experiences.

Energy Roulette highlights how this adaptation can succeed when executed thoughtfully. The transition into the Hold & Win feature is triggered within the natural cadence of roulette play, creating a shared event that both the triggering player and the wider audience can follow in real time. The feature maintains the core appeal of Hold & Win — incremental progression, escalating anticipation, and clear win visibility — while remaining fully anchored in a presenter-led environment. This demonstrates how a mechanic traditionally associated with RNG slots can be reimagined in a way that feels live-native rather than imported.

The post Hybrid Live Casino: Where table trust meets slot‑style engagement appeared first on Eastern European Gaming | Global iGaming & Tech Intelligence Hub.

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Building Beyond Trends: Tom Horn Gaming on What Really Drives Slot Success

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“The studios that last are those willing to experiment and try new things, while staying grounded in their core principles. It’s easy to follow trends, but what really matters is understanding players, trusting your instincts, and consistently delivering quality.”

As the iGaming industry continues to evolve, the pressure to innovate has never been greater. True success, however, goes beyond simply following the latest trends.

Ahead of the HIPTHER Prague Summit, where Tom Horn Gaming will take the stage as Grand Sponsor, our CEO, Ondrej Lapides, shares his perspective on what it really takes to build games that stand the test of time.

In this exclusive interview with Hipther, we explore how Tom Horn Gaming approaches product development, from balancing innovation with familiarity to designing games that resonate across diverse player segments and markets. The conversation also touches on the growing importance of player-centric design, long-term engagement, and the industry shifts shaping slot development in 2026 and beyond.

As Central and Eastern Europe gain increasing relevance in the global iGaming landscape, the Prague Summit provides a timely platform to exchange ideas, share insights, and look ahead at what’s next for the industry.

Tom Horn Gaming has been in the industry long enough to see trends come and go. From your perspective, what really separates studios that stand the test of time from those that simply chase what’s popular?

In my view, longevity in this industry comes down to balance and a genuine belief in what you do. The studios that last are those willing to experiment and try new things, while staying grounded in their core principles. It’s easy to follow trends, but what really matters is understanding players, trusting your instincts, and consistently delivering quality. When you combine creativity with discipline and a long-term mindset, you create products that resonate well beyond the latest industry buzz.

Your portfolio balances recognisable slot formats with proprietary mechanics like QuickX™. How do you decide when to innovate and when to refine what already works?

It’s always a mix of data, experience, and intuition. Innovation is important, but it should never come at the expense of clarity or player enjoyment. Sometimes the right move is to take something that already works and refine it further. At other times, the market clearly shows that players are ready for something new. Finding that balance is partly analytical and partly instinctive, built over time through a deep understanding of how players engage with games.

Your games often combine modern mechanics with very recognisable slot DNA. Why do you think familiarity still plays such a strong role in player engagement today?

Player expectations vary a lot across markets and segments. Some players prefer classic slot gameplay that feels instantly familiar, while others are looking for something more experimental. Our role is to cater to both by offering a diverse portfolio. Familiarity makes games accessible and comfortable, while modern mechanics bring fresh excitement and new layers of engagement.

Player attention spans are getting shorter, yet expectations around engagement and excitement keep rising. How do you approach game design to make titles instantly accessible without sacrificing depth?

It really comes down to putting more thought and effort into the design process. We dedicate significant resources to balancing gameplay so the core experience is easy to understand from the first spin, while sustaining engagement over time.  Achieving that balance requires close collaboration among designers, mathematicians, and product teams to make sure the experience feels both intuitive and rewarding.

Looking at your recent releases, there’s a clear focus on replayability rather than one-off novelty. How important is long-term player value when developing new games?

Long-term engagement is very important, but again, it’s about balance. Not every game is built with the same objective in mind. Some are designed to deliver quick excitement, while others aim for longer sessions. A strong portfolio needs both. The key is making sure each game delivers real value and keeps players coming back.

From your perspective as a slot supplier, which innovations do you believe will genuinely shape slot development in 2026 and beyond, and which current trends are unlikely to last?

We’re already seeing a growing demand for more layered gameplay and richer feature sets, and I expect that to continue. Players are looking for more dynamic experiences rather than purely static mechanics. At the same time, fast-paced formats like crash games have gained strong traction and are influencing expectations around immediacy and interaction. That said, not every trend will last. In the end, the games that succeed will be those that combine innovation with strong fundamentals and a clear understanding of player preferences across different markets.

Your recent partnerships significantly extend distribution across Europe and Latin America while reinforcing compliance-focused delivery. How can aggregation partnerships contribute to sustainable scaling across different regulated markets?

Scaling across regulated markets requires the right partnerships and strong technical foundations. For this to work properly, the technical integration needs to be robust, seamless, and fully aligned with regulatory requirements. When that connection is well implemented and continuously optimised, it allows content to reach operators quickly while maintaining the reliability and compliance that these markets demand.

As Grand Stage Sponsor of the HIPTHER Prague Summit, what message or mindset would you like operators, partners, and industry leaders to take away from your presence at the event?

Events like the Prague Summit are particularly valuable because they put a spotlight on Central and Eastern Europe, a region that is playing an increasingly important role in the global iGaming landscape but doesn’t always get the same attention as larger markets.

For us, the real value lies in knowledge exchange. It’s an opportunity to discuss the latest developments, share insights from real operations, and compare experiences across different jurisdictions. Bringing these perspectives together helps the industry learn from one another and take away practical insights that can support future growth and innovation.

The post Building Beyond Trends: Tom Horn Gaming on What Really Drives Slot Success appeared first on Eastern European Gaming | Global iGaming & Tech Intelligence Hub.

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How WinSpirit Builds Sustainable Growth Through Player-Centric Innovation

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Interview with Kateryna Rybka, Affiliate Team Lead

Ahead of HIPTHER Prague Summit 2026, we speak with Kateryna Rybka, Affiliate Team Lead representing WinSpirit Casino, one of the fastest-growing brands in the global iGaming ecosystem. WinSpirit is a General Sponsor of the HIPTHER Prague Summit 2026, boasting a portfolio now exceeding 17,000 games. Kateryna shares insights into WinSpirit’s product vision, marketing approach, and the role responsible gaming plays in building sustainable growth.

 

Kateryna, WinSpirit positions itself as a fast-growing brand built on player-centric technology. From your perspective, what are the key pillars currently driving the brand’s momentum in today’s competitive iGaming landscape?

The core difference is that WinSpirit doesn’t treat players as traffic — we treat them as people. Most operators optimize around bonuses and acquisition. We optimize around behavior. What keeps a user engaged beyond the first deposit? What makes them return because the experience is compelling, not just because there’s a promo? That’s our focus.

Speed is critical. Hypothesis-driven experimentation happens weekly, not quarterly. Product, marketing, and affiliates work in tight loops, and if something isn’t working, we adjust fast. We prioritize LTV over volume — affiliate partnerships are strategic, not transactional. We work with partners who value engaged players, not one-time depositors.

Responsibility is non-negotiable. Responsible gaming isn’t compliance for us — it’s a product principle. Session reminders, deposit limits, reality checks are core features, because if our audience burns out or loses trust, no bonus will bring them back. That balance — innovation with measured execution — is what drives our momentum. We’re building something sustainable.

With a portfolio of more than 17,000 games, content depth is clearly a major strength. How does WinSpirit ensure that scale translates into meaningful player engagement rather than just catalogue size?

Scale without curation is just noise. We don’t treat our portfolio as a static catalogue — we treat it as a personalized experience. Our UX adapts based on player behavior through intelligent filtering and recommendations. If someone gravitates toward high-volatility slots or live tables, the experience reflects that. We use data to understand which games retain players beyond the first session and optimize accordingly.

Provider partnerships give us an edge here. We work with top studios to secure exclusive conditions, early access, and unique variants — so our users get something they can’t find everywhere else. Genre diversity also supports retention. Players evolve, and a deep portfolio lets us keep them engaged as preferences shift from slots to live casino to crash games, without them looking elsewhere.

Scale is only valuable if it serves engagement. We’re building an experience that evolves with our players, not just a library.

WinSpirit emphasises experience-driven growth over short-term promotional tactics. How is this philosophy reflected in your marketing campaigns and affiliate strategy today?

Our campaigns are built around ideas and narratives, not just bonuses. We try to go where the industry doesn’t — creating experiences that feel emotionally engaging, not transactional.

For example, WishExpress was a feature where players could send virtual gifts to each other during the holidays. It wasn’t about driving deposits — it was about creating connections. UnValentine’s Day flipped the traditional romantic narrative and resonated with users who don’t buy into the Valentine’s hype. Both saw strong engagement because they tapped into something real.

WinSpirit works with emotion, not just CPA. Our affiliate strategy reflects that — we look for partners who understand storytelling and retention, not just volume. And we pay close attention to player feedback. Long-term reputation matters more than short-term spikes.

Responsible gaming is becoming a defining factor for sustainable operators. How is WinSpirit embedding responsible gaming principles into both the product experience and its broader marketing approach?

Responsible gaming isn’t a separate feature for us — it’s embedded in the product. Session reminders, deposit limits, self-regulation tools, transparent bonus terms — these are core, not optional. Beyond that, we’re actively collaborating on education. SmartPlay, our partnership with Casino Guru, focuses on helping our audience make informed decisions through educational content and tools. The response has been strong — players engage more when they feel empowered, not just marketed to.

We’re also working with the Digital Wellness Center, which specializes in behavioral health and digital well-being. This partnership is rolling out now, and it’s about providing users with resources that go beyond gaming — addressing habits, balance, and long-term health. It’s about balancing engagement with ethics. Growth that compromises player well-being isn’t sustainable.

As WinSpirit strengthens its long-term market positioning, what key developments – whether product, partnerships, or player experience – should the industry be watching from the brand in the months ahead?

We’re doubling down on brand positioning and experience innovation. There’s a new creative campaign launching very soon — I can’t spoil it, but it follows the same philosophy as WishExpress and UnValentine’s Day. Players should expect something unexpected.

On the product side, we’re deepening gamification and personalization. The goal is to adapt the experience to each user — not just through recommendations, but through mechanics and features that respond to individual behavior. We’re also optimizing retention tools and expanding our responsible gaming framework, including the Digital Wellness Center partnership I mentioned earlier.

Sustainable growth remains the priority. We’re not chasing shortcuts — we’re building infrastructure that scales responsibly. And innovation is ongoing. Recently, WinSpirit received Special Recognition as Most Innovative Online Casino Operator for AI-driven customer support, automated query handling, and behavioral analytics that improve service quality. For us, that’s just the beginning. We’re applying similar thinking across WinSpirit — smarter systems, better player experiences, stronger foundations. The industry should watch for a brand that’s moving with intention, not just speed.

And it’s worth noting — platforms like EEG Intelligence Hub play a role in that evolution. Congratulations on 11 years of holding this industry to a higher standard. That kind of journalism matters.

The post How WinSpirit Builds Sustainable Growth Through Player-Centric Innovation appeared first on Eastern European Gaming | Global iGaming & Tech Intelligence Hub.

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