ACE26: Caroline Hawley on Gambling Addiction and How Credit Unions Can Respond
During Wednesday’s Center Stage at ACE26, Carolyn E. Hawley, professor at Virginia Commonwealth University, delivered a session on the growing trend of gambling addiction fueled by the spread of apps and easier access, and how credit unions can recognize and respond.
Through a member story, Hawley illustrated how behavioral and
financial patterns can signal deeper issues, emphasizing that even small interactions can have a lasting impact.
“One little conversation can matter more than you realize and can even change someone’s life.”
She explained that gambling has become significantly more accessible and private in recent years, removing many of the traditional barriers that once limited participation. As a result, she urged credit unions to focus less on individual transactions and more on patterns over time. Indicators such as late-night activity, frequent small transactions, rapid movement of funds to third-party apps and increasing overdrafts can point to a growing problem.
Importantly, she noted that financial loss alone does not deter behavior.
“Losing money doesn’t often stop the behavior of someone with a gambling addiction, it may intensify it.”
Hawley also highlighted how modern gambling platforms are intentionally designed to keep users engaged through psychological triggers and personalization.
“People are being manipulated by a very powerful entity to keep us playing.”
Despite these risks, Hawley reinforced the unique and trusted role credit unions hold within their communities.
She closed by grounding the discussion in the core mission of the movement, reminding attendees that awareness and action go hand in hand. Recognizing patterns, leading with empathy and starting conversations early can make a meaningful difference in a member’s financial and personal well-being while reinforcing the credit union commitment to people helping people.
« Return to "MCUL Newsroom"
