Montenegro is a country in south-east Europe. It borders the Adriatic Sea to the south-west, Bosnia and Herzegovina to the north-west, Serbia to the north-east, Kosovo to the east and Albania to the south.
Since late 2011 or early 2012, Montenegro has been offering what could be the single most business-friendly regulatory framework for online gambling. They have an all-in-one package that works as a turnkey operation for all types of online gambling except for lottery games. On top of that, they have fairly low tax rates of under 10 percent on both the personal and corporate levels, and this inspires a lot of investment from various companies.
The key thing here to realize is that Montenegro's legislation is focused on the ideas of attracting business and keeping an eye out for the integrity of their games. This is the right combination to create win-win situations for the players, the operators and the government, and it's something that many other countries could learn from. The only drawback is that operators are tied into their turnkey solution.
The way that licensing works in Montenegro is that operators apply for a single all-in-one package that gives them their actual license to operate, banking options, payment processing, the software platform and everything else needed to run the business. This is a bit different than what you see with other countries where a larger variety of games and business models can be used, and it's the only real drawback to online gambling regulation in the country. With that having been said, a license in this country means quite a bit (despite how easy it is to get one) because they have no problem with pulling a license for shady operators.
Players are protected at a very high level with Montenegro's all-in-one solution. Their licensing board does give out licenses quickly, often within a week of the application being submitted. However, the industry is watched very closely, and player complaints are taken seriously. Because payment processing is included in the all-in-one package, it makes it easier for the government to keep an eye on payments and to make sure that nothing shady is happening. While this lack of flexibility is sort of a weakness for them, it's also a strength in how it keeps everything uniform and easy to supervise.
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