Menurut studi, seseorang dapat terjerat judi online hanya bermula dari coba-coba. Awalnya ia hanya ingin mencoba, akan tetapi karena penasaran dan berkeyakinan bahwa kemenangan bisa terjadi kepada siapapun, termasuk dirinya dan berkeyakinan bahwa dirinya suatu saat akan menang atau berhasil, sehingga membuatnya melakukan perjudian online berulang kali.
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Sehingga judi online dianggap dapat menunjang serta memenuhi keinginan, yaitu menjadi orang kaya dalam waktu yang singkat. Hal ini tak lepas karena faktor sosial dan ekonomi yang melatarbelakangi pelaku.
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Menurut Dian, bank memiliki tanggung jawab untuk mengenali profil nasabah dan perilakunya dalam penggunaan rekening yang dibuka di banknya.
”OJK membatasi satu orang meminjam di tiga aplikasi pinjaman daring yang authorized. Ketentuan ini efektif untuk menekan pinjaman daring resmi juga disalahgunakan untuk aktivitas negatif, seperti judol.
Djarum menyadari bahwa penelitian dan pengembangan merupakan elemen penting bagi kemajuan produk kretek.
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Dia mengakui, tren pinjol ilegal masih marak. Tidak ada statistik resmi yang menunjukkan berapa jumlah aplikasi pinjol ilegal, tetapi jumlah aplikasinya yang ditutup (choose down) oleh Kemenkominfo masih berkisar ratusan aplikasi. Dia menduga hal ini dipengaruhi oleh mudahnya membuat dan merilis aplikasi electronic.