The most complete Glossary of Betting can be found in this Betting Guide on the bet 9ja blog. More than 150 sports betting terms described that will answer all your questions and that will make you an expert in the world of betting. Do you know what a 0 Handicap is? Do you want to know what Asian handicap means? And an Each-Way Bet? In how many types of formats can a quota be represented? What does System Bet mean? The best and most complete betting dictionary in English is available for you to use anytime you want. Solve all your doubts related to the sports betting markets on the bet 9ja blog. A All inBet where you play all your available funds. Very common in poker when you put all your chips into play. Before postPlace an advance bet in a market in which a number of participants is previously known that may exceed the number that will eventually compete in the event (for example, horse racing). If your selection does not participate, the bet is declared lost. AntimartingaleAs its name suggests, it is a technique contrary to the Martingale. Also known as the Paroli system, it consists of making a series of bets accumulating the profit generated. Recommended for bets at low odds where we have a very high hit record. GamblerPerson who makes one or more sports bets in a certain market. Accumulated BetSequence of two or more different sporting events (up to a maximum of 20 on bet) that make up a single bet. It is also commonly called combined. Early BetLong-term bet that is typically associated with a team or player's finishing position in a given competition (for example, placing a bet on the 2020 NBA champion). Combination betBet on which two or more events are chained within one or more markets. To get it right, each and every one of the predictions selected in the combined must be hit. Each-way betIn Spanish it is known as "Winner-Placed". It consists of two bets within the same selection. The first to "Winner" and the second to "Positions" (usually given in horse, greyhound, motor, cycling or athletics bets. Part of the bet goes to "Winner" and another to, for example, that your selection be "in the top three"). Free BetThe Free Bet or Free Bet is one that has to be converted into real money in order to be withdrawn as profit. If the Free Bet is successful, you will only be paid the winnings derived from that bet. Live bet. (Live Bet)Bet that is made when the sporting event is in play. Multiple betIt is the way in which you will find within bet what is called "System Bet" (they are synonyms). Void betBet where the bookmaker returns the amount played by the bettor. It is also known as void. Pre-match bet (prematch)Bet that is placed before the event starts. Once the game starts, the bet becomes Live (or direct). Simple BetBet made in a single sports betting market and in which a single event is played for or against a single event. No tie betType of bet where you can only bet on the victory of one team. In the event that the match ends in a tie, the bet would be void and the amount would be returned. System BetIt is a type of bet where three or more selections are combined. Unlike the usual combinations, in system bets you do not have to hit 100% of the events in your bet in order to win. VIP betIt is a type of special bet whose amount exceeds the maximum bet for a specific selection. See our rules on VIP Betting. Cross betsAlso trade calls, are the bets made against other bettors and not against the bookmaker. It allows you to place a bet for or against an event and the operator charges a small commission for each operation. Equivalent betsThey are the bets with different nomenclature and same meaning. Exchange betsSynonymous with crossed bets. Arbitration. Arbing in GamblingIt consists of obtaining an assured profit based on the fluctuation of the odds in different bookmakers. BBackBet on something. The opposite is to do a «Lay» (or layear) Bad beatBad streak or interval of time with more failures than the average. Bank. BankrollThe money you have to bet on. Do not confuse with your money available for other purposes, but what you have allocated to play. BankerA selection in which you have a lot of confidence and you add it to another forecast to increase the quota. It does not mean that the bet is going to be correct, since sometimes what fails is precisely the banker. BondIncentive given to a user to bet. It can be a Welcome Bonus or another type of reload bonus, for loyalty, some special promotion, etc. Bookie. BookmakerAnglo-Saxon term that refers to «betting house». CCanadianMultiple bet that includes 26 bets as a result of all possible combinations of five chosen predictions. It is synonymous with Super Yankee. Set houseBookmaker that in sports such as tennis or others (mainly racket) values bets as won or lost if the first set ends. ❗ bet is a set house. Knitted houseA point house values the bet as won or lost once the match is in play. CashBalance available at the bookmaker. CashbackMoney that returns to the player in the form of a balance or Free Bet. Normally a% of the amount played is returned if the user reaches a certain level. Cashout. Cash-out. Cash outMoney that you receive once you close your bet in advance. The cashout functionality consists precisely in being able to close your bet before the event ends. ChalkOption of a betting market that is considered the most likely to win. It is the most probable price according to the implicit probability of the quotas. Chalk playerGambler who bets mostly in favor of favorite players or teams. CoveragePlace a bet contrary to the one initially taken in order to minimize risk or ensure a profit. PlacedSee «Bet each-way». In horse racing, cycling or motorsports, the place is the one that finishes in the top three (podium) within your "Win-Place" bet. Bookmaker commissionIt is the margin that the house remains. Also called overround, it consists of a small percentage that the operator keeps in each operation. One of the strengths of bet is precisely the low margin that translates into very competitive odds. ShareValue or quotation that a bookmaker gives to a market. The fee reflects the price paid per bet unit. The value of the quota is translated into what is returned to the user in case of winning the bet and is the differential value of bet (better odds, more profits). Odds can be represented in decimal, fractional or American form. Average feeIt is the reflection of the average price taken in the total bets per unit of time. For example, to know the average quota taken in a month, it would be necessary to make an average of the quotas referring to all the bets made in that month. Minimum feeA tipster can set the minimum odds above which they consider to be valuable. Closing feeThe final fee just at the time the event takes place. Exit feeThe first quota that the odds makers put on the market. DDead heatSimilar to the «photo finish» it indicates a tie between two or more participants within a race or competition. DepositEntry of an amount of money to be able to place bets. Double chanceType of bet that generally covers two out of three possible outcomes. For example, a "1X" in a soccer game. DogAbbreviation for "underdog". It consists of betting on the underdog clearing. DrawdownThe drawdown in betting marks the difference between the highest win and highest loss per unit of time. Knowing the Drawdown you can control the risk in your betting strategy. Draw No Bet (DNB)It contemplates the return of the full amount of the bet if a condition is met. The most common is to bet on the winner of a match knowing that, in the event of a tie, your bet is void. See more here. Also called "Invalid bet" or "Handicap 0" DutchingTechnique that in the betting world tries to divide an amount of money between several options within the same event. The objective is to cover an important part of the events and obtain the same profit if one of the bets manages to win. ANDEach-waySee Each-way Bet or «Winner-Placed» Early betBet made when the odds have just come out at the bookmaker. Some bettors wait for the exit fee to detect potential market inefficiencies. Draw invalid betSynonymous with the handicap 0 or the Draw No Bet, it is a bet that not only contemplates the success or failure, but also the return of the bet in case the marked line is matched. Mathematical hopeIt is the same as the expected value. In the betting world, the term "value bet" or odds with "value" is widely used. If a share is above the real value, we will say that it has value or that the mathematical expectation is positive. Value = (odds *% probability) / 100. If it is greater than 1, it has value (positive mathematical expectation) EvensEven bet or odds 2.00. ExpositionThe amount of money wagered. FFoldsA fold bet is a complete combination of multiple bets within a specified number of selections. For more information go to point 7.5 of our rules. Format (installments)The way the fee is reflected. In Spain we mostly use the decimal format, but there is also the fractional and American formats. Decimal formatIt is a numerical reflection of the potential win on the bet. Thus, a 1.80 odds reflects the potential net profit (0.80) per unit bet. Fractional formatCommon in countries like the UK. American formatAs its name suggests, it is often seen in North America. The most characteristic thing is that a negative or a positive quantity can be seen and with these two examples it will be clear to you what each case means.
Real Madrid are the current European and world champions in the club arena, while Barcelona has been the team that marked an era since the debut of Argentine Lionel Messi in 2004. But neither of the two giants of Spanish football lead the ranking of the clubs with the most financial power in the world, as determined by the firm Soccerex, a company specialized in football business. The most surprising thing is that they are not on the podium either and in the case of the Catalan club they are not even among the top 10 despite being two of the three richest clubs in the world in the last decade.The other, Manchester United, also does not figure prominently on the list that is dominated by its city rival and current undisputed Premier League leader Manchester City."The high investment potential of its owners is complemented by a strong performance in the other variables." The ranking is based on the Football Finance Index (FFI), which is calculated taking into account five variables: gambling and fixed assets, money in the bank, a potential purchase investment and net debt. Other surprises include Arsenal's second location and Chinese club Guangzhou Evergrande's fourth. The canyoning team, one of the most questioned clubs in England due to its lack of Premier League titles in more than 10 years and which coincides with its first absence from the Champions League in two decades, has a fixed asset close to US $ 1,000 million, more than any club in the world, thanks to their move from Highbury to Emirates Stadium. According to the report, it is only surpassed by Manchester United in terms of money in the bank, while it has the least debt, of about US $ 10 million. "Its place reflects professionalism and its well-known business model. Its financial power means that Arsenal can invest significantly if directors decide to change strategy," the study concluded. The Chinese club, for its part, is driven by the great wealth of its owners, Evergrande and Alibaba, although it also shows the enormous potential of Chinese football. The Asian giant has nine clubs in the top 100, more than France, Germany and Italy and the same number as Spain. The other realityThe two giants of Spanish football are hurt by the ownership structure of the clubs, which belong to their partners and block the possibility of a large investor. However, the study highlights that in a hypothetical case in which Real Madrid is capitalized through the stock market, there is no doubt that its financial power would multiply and could catapult it to the top of the ranking. Something that is far from the reach of any Latin American club. The first to appear on the list is the América de México in 40th place, three ahead of its archrival, the Chivas de Guadalajara, and Monterrey, which ranks 47th. Brazil is the one with the most representatives from the region with 12 clubs, although the first on the list just appears in 62nd place: Atlético Paranaense. The greats of Argentine soccer, Boca Juniors and River Plate, present similar cases, while there are no clubs from other countries on the list. For the report, the problem is "the economic instability that is reflected in their positions."
Today’s free tip is in the UEFA Europa League game in Italy between AC Milan and Lille OSC. Logically speaking, this match is between the two teams that should progress from the UEFA Europa League group, although Celtic still have a say in it, especially after their positive result in France. I don’t believe that AC Milan or Lille OSC should fear one another, given the weaknesses that both teams have displayed both in Europe and in their respective leagues. I think both are in a very good place with the right managers in charge, but there’s room for improvements in both camps. The common struggles for both teams are in defence. AC Milan struggle to name the same back four with both Romagnoli and Musacchio constantly battling injuries, Conti being the forgotten man, and Dalot still learning his trade in Italy. Kjaer may have been around the block a few times, and have a very steady pair of gloves behind him, but the defensive setup of this AC Milan team is far from settled. Also, as many deep-lying midfielders as they unquestionably have, I don’t really see a ball-winner in there so there are gaps for opponents to exploit. Lille OSC relied heavily on the combination of Gabriel and Fonte in the middle of their back four last season, enabling Bradaric and Celik can get forward to support attacks, both of which are very good at it. However, with Arsenal picking up Gabriel, and now Fonte out tonight, Lille OSC’s defence looks in real trouble to me, especially against red-hot Ibrahimovic. At the moment, they’re rely on Soumaoro to be their defensive rock, and considering they all but told him to leave last season, it’s hard to imagine that working out too well for the French club. It may not be Lille OSC’s preference to play this game openly, knowing just how good and how confident their hosts are, not to mention the fact that their former striker Leao has now found his feet in Italy. However, I can’t see that they have an alternative here. A fairly small squad is being made to play every three years, and it’s beginning to show as slight cracks appear in the generally impenetrable Galtier tactics. I wouldn’t say that Lille OSC look tired, per se, but they are making more mistakes than usual, which has led to some surprising results of late. Doing so against AC Milan tonight would not end well for Lille OSC. AC Milan have a big squad, and are prepared to take the UEFA Europa League seriously, it seems, far moreso than fellow countrymen AS Roma. They’re prepared to name a strong side, and their rotation under Pioli doesn’t tend to detract much from their displays, if at all. AC Milan still need to iron out their defensive situation, as I said above, but their attack is deadlier than ever, and not just because Ibrahimović insists on rolling back the years in every display. Leao, Diaz, Kessie, Calhanoglu, and now Tonali are really starting to warm to their respective tasks at AC Milan, and the end result is very positive. I’ve not been as impressed with AC Milan in the past eight years or so as I am right now. Pioli has done a great job there, and not being sacked after a miniscule amount of time at the club certainly helped out on that front. The building blocks are now in place for AC Milan to return to being a great team. This is a very young squad, all things considered, but everybody is on the same page, and the number of passengers has severely diminished now. Things feel more positive, more confident, and they’re far more effective because of it, AC Milan. Not perfect, though. AC Milan still make errors, and they’re going to have to play quite adventurously, and with plenty of ‘healthy’ aggression in order to deal with a very combative and capable Lille OSC side. The problem is that the visitors are deadly on the break. Ikone and Bamba ensure that the visitors stay fast and creative, whilst Yilmaz plays the role of the poacher as brilliantly as ever, already striking up a very good understanding with his fellow Turk Yazici, who sits just behind and makes things happen. With Andre, Xeka, and Sanches there to keep the ball moving fast, and Soumare sat in front of the defence, the Lille OSC attack is very slick, and very dangerous at all times. The only way to frustrate them is to park the bus, but there’s no way AC Milan are going to do that at home. Subsequently, I’m inclined to believe that tonight’s affair at the Giuseppe Meazza will be an open one, and these two teams are deadly enough in attack to turn an open game into a high-scoring one. Therefore, I’m on over 2.5 goals at 4/5. Verdict: Over 2.5 goals at 4/5.
Today’s free tip is in the UEFA Champions League encounter between Chelsea and Stade Rennais. I may like what Chelsea did pre-season, and I may like what Lampard is gradually bringing to the club, but I’m not sold on the Londoners just yet. I would not get carried away by their seemingly emphatic win in Russia either. They were up against an FK Krasnodar that were without most of their best attackers, and even then the Russians did give them a good game but were punished for individual errors. They fell apart at the death, FK Krasnodar, but the display was not as compelling as the scoreline would have you believe it was. I still think Chelsea have some distance to go before they can be trusted to be a proper force in Europe. Some teams find a bit too easy to pass their way around Chelsea, or simply to deny them possession of the ball, and it’s typically the Spanish teams that do such. However, that’s not applicable here, with Stade Rennais being from France, so let’s move cheerfully onward. The reason I feel far too confident in Chelsea winning tonight’s game convincingly is that Stade Rennais are incapable of playing a tactical European game. They thrive on chaos; that’s the only way they impress. Without the open spaces and high lines, this team really does struggle to place teams under substantial periods of pressure. They also struggle to contain teams, given how bad they are defensively, which is worsened by the absence of Rugani tonight. Their only real hope for such games is that they take enough chances to bail themselves out but I can’t see it happening, not with Chelsea revelling in their more competent defending of late – four clean sheets in a row now! Essentially, what I expect Chelsea to do tonight is what more experienced European teams do to them. Chelsea should control possession of the game, and should not find it too taxing to exploit the undeniable holes that exist in this Stade Rennais defence. For Ligue 1, the visitors are good enough, but for Europe, they’re sadly lacking. With Rugani joined on the sidelines by wonderkid Camavinga – amongst others – it’s hard to imagine the home team finding this game particularly problematic to win. I do like Stade Rennais; don’t get me wrong. They’re very entertaining, and if you give them space, they’ll always score goals. It’s just that this competition has come a bit too soon for them in their long-term plans. I’m sure they won’t exactly be complaining about the extra revenue this tournament will generate for them, nor the players it’ll attract, but the actuality of being in it right now is far from ideal, especially not as the games are coming thick and fast. Stade Rennais already had injury problems to begin with, as per usual. Factor in that they don’t really have an approach that works in Europe, and you’ll see why I find their prospects in England tonight somewhat bleak. Simply put, I expect Chelsea to control this game for large periods, and they’ve got the quality to score goals from doing such. Therefore, I’m on Chelsea to beat the -1.5 Asian Handicap at 51/50. Chelsea to beat the -1.5 Asian Handicap at 51/50.
Today’s free tip is in the UEFA Champions League encounter between FC Porto and Olympique de Marseille. FC Porto are generally good at home, and can grind out wins against similar/lesser teams rather well for that matter, just as they did against Olympiakos Piraeus. I don’t think the game against Olympique de Marseille should be any different either. The simple reasoning is that the French team aren’t very good. There’s no crime in being not as good as opponents, but there is a crime when a team doesn’t even try to be better, which is basically where Olympique de Marseille are at right now. Can it really be considered a surprise, though? This squad of theirs hasn’t had a proper overhaul in years, they’re constantly recycling managers (this time it’s Villas-Boas’ turn, which is comedy gold in itself, considering he had actually given football up at the time he was appointed), and there seems to be no real purpose to their existence because of it. A huge club, they remain, but not on a good one anymore. They have some good individuals, to be fair to them – it still amazes me that Thauvin hasn’t returned to England because he’s good enough and mature enough to be a real success there. He’s far too good for the southerners, and carries them a lot of the time. Payet chips in sometimes too, of course, and Strootman is just as good as ever despite being treated like shit by this club for the most part. I’m a fan of Sanson too; I just wish he’d picked a better club to show good he is at! In general though, the feeling I get from Olympique de Marseille is one of apathy. They’re not effective because they don’t work hard enough. Whether that’s disillusionment at the poor shepherding of the club in general, or whether it’s having naturally complacent or arrogant players, the problem remains the same. Not only have they lost their opening two UEFA Champions League games, but they’ve thoroughly deserved to lose both matches. I just don’t see why tonight’s game would be any different at one of Europe’s more intimidating stadiums – the Estadio do Dragao. It’s not a great FC Porto side that is facing them, admittedly. They’ve gone off the rails a bit over the past few years, as indeed has Portuguese football in general, joining the Dutch in becoming highly ineffectual in Europe. Still, FC Porto remain Portugal’s most consistent team. They do have a good manager, and they’ve got a good enough squad to win tonight despite players getting plucked from their grasp at younger and younger ages. They’ll always survive, FC Porto – that’s what they specialise in. I do miss the days when they were serial winners, though. This squad of theirs is good enough, motivated enough, and tenacious enough to win tonight though. Corona, Nakajima (when fit), Oliveira, Viera, Otavio etc. supporting Taremi and Marega makes for goals, one way or another. None of them are especially clinical finishers at this level, but they’ve got everything else, and the recent arrivals of both Grujic and Felipe Anderson have only strengthened the team further. They rely more on brutality than brains in defence but it’s enough to get them through a game against a predictable Olympique de Marseille, in my opinion. Tactically, individually – whichever way you paint it, FC Porto should win this match. At 4/5, I’m happy to take my chances. Verdict: FC Porto to win at 4/5.
Today’s free tip is in the UEFA Europa League encounter between Omonia Nicosia and PSV Eindhoven in Cyprus. PSV Eindhoven are without a lot of players here, and I have a lot of respect for the team they’re up against. Berg has done a sterling job with the Cypriots, and they made life very uncomfortable over two legs against a superior Olympiakos Piraeus in the UEFA Champions League after also frustrating the hell out of Serbian juggernauts Red Star Belgrade. I would be absolutely astounded if PSV Eindhoven found this to be an easy fixture, even if they had a full-strength squad. I’m sorry to repeat myself, but Dutch football simply isn’t very impressive right now. Their teams generally look quite lost in Europe unless allowed to participate in open games, and it’s been that way for years now. Dinamo Zagreb did not struggle to contain Feyenoord Rotterdam. Liverpool – without van Dijk and Alisson – contained AFC Ajax Amsterdam. Dinamo Kiev did not struggle to handle AZ Alkmaar in the UEFA Champions League. The list goes on, and on. Dutch football has simply become very predictable. It’s fast, and the players are committed, but there’s not a great deal of skill in place, nor is there ever a “Plan B”, it seems. Subsequently, PSV Eindhoven lining up against what I personally class a superior tactical outfit like Omonia Nicosia makes the odds on the away win look very short, enough so for me to consider backing the home team not to lose on the night. All that stopped me was their lack of consistency in front of goal. See, PSV Eindhoven can fashion a goal here because they’ve got enough individuals that can do it, and if that happens, I don’t think the home team will get anything here. That’s why I avoided the 1×2 market. PSV Eindhoven seldom convince me with their actual displays though, so the away win remains priced way too short for my liking. The Dutch favourites are without numerous players for the trip to Cyprus too. I mean, they’ve only taken four defenders with them – Boscagli, Teze, Max, and Felipe. Gutierrez, van Ginkel, and Rosario in midfield remain out, and attackers Gakpo and Romero are out too. Now, Zahavi, Malen, Gotze, and Ihatteren can do enough to scrape a goal here so again, I’m not backing the home team to avoid defeat. To say that I don’t fancy PSV Eindhoven’s chances would be a big understatement though. They’re up against a team that is remarkably disciplined tactically, and one that is not fazed by lining up against good teams. I can see this being a long night for what is essentially a very predictable PSV Eindhoven side. As much as Berg’s boys lack firepower, they genuinely don’t lack in any other area. They’re patient, composed, good on the ball, and well-organised. With experienced heads like Lecjaks and Hubocan at the back, they’re prepared for most things that are thrown at them, as they amply demonstrated at PAOK Salonika last week. Don’t be fooled by their age in midfield, either – they’re all remarkably fit, even wild Bautheac out wide. They let the ball do the work, and focus on their movement instead. With Asante and Sene, they’re not short of legs in the final third either. It’s just finishing that is their bugbear, and unfortunately for them, that’s a pretty big problem to have. I can see them really annoying PSV Eindhoven tonight though, whichever way the game goes. Therefore, I’ve got to back under 2.5 goals at evens, and pray that none of the PSV Eindhoven defenders get injured! Verdict: Under 2.5 goals at evens.
Today’s free tip is in the UEFA Champions League encounter between FK Krasnodar and Chelsea. I was going to leave this one alone to begin with. FK Krasnodar are quite the underrated team in Europe, easily Russia’s best team when it comes to dealing with European football because of their athleticism and their comfort on the ball. On top of that, Chelsea still play like they’re a bit wet behind the ears when it comes to European football under Lampard. However, having seen the team news, anything but a strong away win here would be very surprising. I knew that they were without Ari and Wanderson to begin with anyway; Ari has been out for a long time now, and Wanderson has been out for a week or two. I also knew that they lost French playmaker Cabella after the Stade Rennais draw too. Since then though, Covid-19 has taken hold, and now they’re missing Petrov, Markov, and Claesson, as well as potentially missing Olsson, Berg, and Sorokin too. It’s too much for FK Krasnodar, I’m afraid. They play lovely football, and to have gotten where they have is a heroic achievement, but they’re simply not going to be able to give a good account of themselves tonight. To put it into context for you, this attack-minded team is now without its three best creators, one of its defensive regulars, and is likely to be without its only two good finishers and one if its tidiest central midfielders. I rate wonderkid Suleymanov highly, and Dutch attacking midfielder Vihena can do a decent job sometimes, but they’re almost fresh out of attacking options, FK Krasnodar, and that’s all they bring to games to annoy teams with. They will not keep a clean sheet in most European games, especially not in the UEFA Champions League, and I would be astounded if tonight proved to be an exception. So – this one is Chelsea’s game to mess up, really. I didn’t think they played particularly well against Sevilla CF, but then again, most teams don’t. Their lack of consistency over the past couple of weeks has been disappointing to see. It can be forgiven, however – Lampard has brought in a lot of new faces pre-season, and a number of them have been out for a bit too. The likes of Havertz are still adjusting, and it’ll take more time yet. I still think that what they’ve done – for the most part – has been very good, and that they’ve taken progressive steps under a progressive manager. I’ve no complaints overall. All Chelsea should need to do in order to succeed in Russia tonight is to control the game. That’s it. That’s why I like their chances here because FK Krasnodar are missing almost all of their dangerous attacking options, leaving the English team free to do as they see fit. With time and space, Chelsea are deadly. I’d prefer it if Giroud started ahead of Werner because I expect them to have FK Krasnodar pinned back for large periods here, and the Frenchman is far more effective in such positions than Werner. I doubt that will happen though. Either way, Chelsea should not struggle to make it count here. They’ve got no excuses for failing to win this game comfortably as the team they’re facing is not the FK Krasnodar that dazzled Russian football over the past few years. Verdict: Chelsea to beat the -1.5 Asian Handicap at 23/20.
In Nigeria, online sports betting is exploding in favor of the World Cup in Russia. This is one of the vectors likely to accelerate the development of online payment in a country that is still poorly banked.With what is at stake in the game scheduled for Tuesday night, the draw why not the Super Eagles victory over Argentina, there is enough to galvanize the ardor of Nigerian punters. The deposit of sports parties on football has attracted many online gambling companies. Russian, Slovak and Italian platforms are already present in this large African market. British bookmaker Betway arrived in January and launched a massive promotional campaign for the World Cup by offering a round trip and two seats to attend the match scheduled for tonight, the same gift offered by the number one in the market, Nigerian Bet9Ja. The Nairabet start-up claims two million customers. An activity that contributes to the promotion of financial inclusion to an audience that sometimes does not even have a bank account. Nigeria is an economic giant but still a dwarf when it comes to digital finance.Nigeria is among the African countries where less than 10% of adults have a mobile account, according to the Global Findex, the World Bank's financial inclusion index. When Kenya, the forerunner in this area, exceeded the 40% mark. Nigeria is also one of the least banked countries, with just 40% of adults having a bank account. This delay is partly explained by the recent economic difficulties of the country and also partly by the lack of computer security, the slowness of the Internet, the fear of fraud and scams have dissuaded users. A situation that has improved a lot recently thanks to payment technologies offered by local start-ups, PayStack and Flutterwave. The services of these two start-ups were quickly adopted by online gaming companies and acclaimed by their customers. PayStack is the most popular payment method for those who play on the Nairabet site. The start-up founded two years ago by two young Nigerian computer scientists thanks to an incubator in Silicon Valley is booming. It has raised more than a million dollars with the support of Chinese Tencent and US Comcast. Paystack is not just for gambling sites, it is also a technology favored by Nigerian transport and insurance companies. Fluterwave, the other local startup, launched at the same time, is also growing at a rapid pace with one foot in Silicon Valley. She raised ten million dollars to ensure her future development. Does the online gaming market represent an important part of digital payments? The turnover is estimated at one billion dollars today in Nigeria. This activity has taken off since last year. As evidenced by the jump in tax revenues levied on sports betting, they increased by 30 to 40% between 2016 and 2017. A trajectory that follows that of online payments. Year over year the number of digital transactions has doubled. Sports betting is therefore one of the engines of financial inclusion in Nigeria. There is still a lot to do in this area in Nigeria: 98% of cash flows are still made in cash.
Today’s free tip is in the French Ligue 1 encounter between Racing Club Lens and FC Nantes Atlantique. Racing Club Lens have been excellent since finally making their long-awaited return from Ligue 2. Given who they signed pre-season though, it was as plain as day to see that they would. I mean, Kakuta, Ganago, Fofana, Medina – great signings to an already good squad. This is a pretty big club, at least by French standards, so the intent is very much that they re-establish themselves as a Ligue 1 staple. With the squad they’ve got, they really should be able to achieve that. I don’t think anybody needs reminding that underestimating this team is pretty fatal. However, Racing Club Lens were brought back down to earth with a bang in their derby hammering against Lille OSC last weekend. It came at a cost too, both Michelin and Gradit seeing red in the process. That in itself has got to be a record, hasn’t it? Two red cards in a game where Cahuzac was on the pitch, and yet he wasn’t one of the two! Bizarre times indeed, folks, bizarre times. Anyway, Racing Club Lens now find themselves in a bit of a pickle today. Their injury list had been mounting anyway before their suspensions were taken into account. As things currently stand, they’re missing most of the defenders that they have in their squad, some of which are regulars, and some of which are backups. On top of Michelin and Gradit, Sylla, Fortes, and Traore are also out, the latter of which hasn’t played a game this season. Defensive midfielder Fofana is still out, and now Cameroonian forward Ganago is out too. As good as Racing Club Lens are, there’s simply not a chance in hell that they can cope with this many absentees. They’re still newcomers at this level after all, despite their past experience at this level. Everybody that was signed for this club pre-season was done so with a specific intent in mind. For example, boss Haise recognised that they wouldn’t see much of the ball, and thus focused on counterattacking threats like Ganago. With big Banza/Sotoca as the target men, and support from Jean/Kakuta/Boura, Ganago has found it very easy to get opportunities, and to score goals. Therefore, his absence today is particularly poignant because he’s the only one in their attack that can’t really be replaced. The chances of Cahuzac being able to do what Fofana would be able to are slim. How they intend to deal with almost all of their defence being out, I simply don’t know. I really do like what I’ve seen from Racing Club Lens this season but what’s left today is a shadow of what has been there in other games. On top of that, I think Racing Club Lens have had marginally favourable fixtures, or at least picked good times to face teams. I mean, an unsettled, impotent Girondins de Bordeaux? A fellow newly-promoted Lorient? A defensively suspect Nimes Olympique? A Covid-19 ravaged Paris Saint-Germain? An AS Saint-Etienne squad missing most of its star players? Look, you can only beat what is in front of you, and Racing Club Lens have done that well, but speaking objectively, they’ve had a lot of luck too. It could even be argued that, in their biggest/hardest games this season, they’ve lost every time. Food for thought. A combination of the above makes me favour the visitors anyway here. To be honest, even if Racing Club Lens weren’t missing players, I would still find the odds on the home win to be far, far too short. There are easier games at this level, and then there are harder games. For a team like Racing Club Lens, the easier games come against those that play attacking football, leaving space in behind because they don’t control games well enough. That’s not the case with teams like FC Nantes Atlantique though, which is an outfit that specialises in keeping the ball. That’s what they’ve been training to do – under a variety of different managers – for quite a few years now, and they’ve become bloody good at it. As always, Les Canaris still have major issues with actually putting the ball into the net. Don’t be fooled, though – that literally is their only weakness. Under the radar, they may just have found a solution to that problem now that they’ve brought in Augustin from RB Leipzig. It was a no-brainer to sign him on a free transfer anyway; nothing lost, right? He can’t play today, for clarity, just like regular line-leader Coulibaly. New signing Emond has shown no signs of being that ruthless finisher that FC Nantes Atlantique require either. Let’s hope it’s Augustin in due course, huh? When they find that man, you’ll see just how good this team is, and appreciate how well they’re playing football on a regular basis because there’ll be an end product. For now, it’s a bit anti-climactic because of their lack of a goal-scorer. Still, this team is very good at keeping and using the ball. They’ve signed players that are all very comfortable in possession, and are mostly very fast too. Exchanging positions on the pitch, overlapping runs – everything is very fluid in this team. Their opponents have to be very fit and attentive to deal with them. If you get around their high pressing intensity, you can find a defence that, barring Pallois (who is ageing), is quite vulnerable. Their tactics are usually good enough to prevent teams from doing this though. The away team do have some complications of their own today with Fabio and Chirivella joining Augustin and Coulibaly on the sidelines. Still, they’re players that can be replaced, as opposed to the absentees of their hosts, which cannot be replaced. FC Nantes Atlantique are very good at probing defences with their fast wide threats, talented dribblers, and intricate triangle passing. It’s just a case of them taking one of those chances to put them in the driving seat. They’ve won every game this season that they’ve taken the lead in, and that’s not a coincidence. This is not an easy side to play against, especially not for under-strength Racing Club Lens. Therefore, I’ve got to view odds of 3/2 on the away win with draw no bet cover as something of a bargain here, really. Verdict: FC Nantes Atlantique to win with draw no bet at 3/2.
Real Madrid vs Shakhtar Donetsk Today’s free tip is in the UEFA Champions League encounter in Spain between Real Madrid and Shakhtar Donetsk. A shock home defeat at weekend against Cadiz means that this game is more important for Real Madrid, even though it’s in a different competition. It’s basically unacceptable for the Spanish juggernauts to not win every game, as you all know, let alone to lose at home against a newly-promoted Primera Liga side. They’ll find tonight’s game tougher than that one too. I mean, Cadiz caused them problems by defending well and countering, and in the last part of that game, they looked more likely to score than Real Madrid did, their hosts going down without so much as a whimper. Shakhtar Donetsk aren’t going to park the bus under Castro; it’s just not their style. They’ll focus on using the ball intelligently in midfield, and they’re very good at that. The display of Real Madrid at weekend won’t concern them, and the absentees/potential absentees of the home team can only encourage the Ukrainians here, I feel. Don’t get carried away, though. Real Madrid are still a top team, and Shakhtar Donetsk are without players too here. There are a lot of question marks over good players like Moraes, Taison etc. so it’s fair to say that neither team is at full-strength. Instead, the way to analyse this game is based exclusively upon the styles utilised. Now, Real Madrid may have problems breaking teams down that sit deep, but I’m sure they’ll overcome it in due course, as they always do. That won’t be something that faces them tonight, given Shakhtar Donetsk’s attacking nature. Admittedly, the visitors are likely to spend more time making short passes in the Real Madrid half, waiting for gaps to appear, and some could perceive that as a defensive approach. Ultimately, though, both teams are going to fancy their chances tonight, and why not? Club Brugge scared the hell out of Real Madrid at the Santiago Bernabeu last season. Manchester City won here. AFC Ajax Amsterdam hammered them here, and even CSKA Moscow beat them 3-0! This has become a very easy place to play football. That obviously doesn’t make Real Madrid an easy side to face, but it’s something to keep in mind. The squad Real Madrid have right now is partially about players that are in the twilight of their respective careers, and partially about players that are potentially stars of the future. What’s lacking in the midst of that is match-winners. Benzema, Ramos, Kroos, and Modric are the only match-winners they have left, and Benzema is not getting much service whilst Kroos and Ramos have struggled for fitness. Vinicius Junior has shown good form this season, and Courtois has obvious quality too, but neither look like a match-winner at UEFA Champions League level yet. Real Madrid don’t have a bad team; they’re just not as good as usual, and I would be surprised if a silky, precise Shakhtar Donetsk didn’t cause them issues for that reason, even with potential rotation in mind. Shakhtar Donetsk have a lot of depth, a lot of quality in the final third, good finishers, composed players on the ball, and the best defensive midfielders they’ve had since the Tymoschuk days. I do think that their defence is quite poor, but actually getting at it is problematic because you need to get the ball back first, which they seldom give away. This is a really slick Shakhtar Donetsk side, and one that has a very genuine chance of upsetting the odds tonight. I’m not prepared to get involved on the 1×2 front until I see the line-ups as there are too many questions marks. However, backing both teams to score at 9/10 suits me just fine here, and I really am tempted by the long odds on the away team too. It’s a good time to face Real Madrid. Verdict: Both teams to score at 9/10.
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