Business
Stay ahead of innovation: TAMGA services and technologies

Over the past decade, digital technologies have significantly changed not only the landscape of the financial sector, but also everyone’s experience. It’s easy to assume that even more rapid development of the industry lies ahead. What to expect from the FinTech of the future and what technologies will drive the financial services market in the coming years, read in today’s article.
Biometric identification
Biometric identification technologies have long been an important part of IT solutions and a handy tool for a wide range of tasks in many industries. Currently, the global market for biometric systems actively uses technologies based on the recognition of fingerprints, faces, irises, voice, vein pattern, hand geometry and even DNA.
At the same time, according to FindBiometrics’ forecasts, the market for biometric identification systems will grow most actively in the commercial segment over the next 5-7 years, particularly in the financial industry, where biometric payments have already become common practice.
For example, in addition to classic fingerprint identification, the financial market is actively testing voice recognition systems. The online lending service Szybka Gotówka has not only introduced biometric identification of customers based on their faces, but also uses scoring based on customer behavior.
Big data
One of the important consequences of the era of total digitization is the digital footprint that almost all our activities leave on the network. As a consequence, the amount of information and data is growing exponentially, and processing them “classically” is becoming impossible. At this “stage”, Big Data technologies enter, which are able to handle the analysis of data arrays that are not susceptible to the methods of traditional analytics.
Basically, Big Data is a technology that allows processing and analysis of large amounts of different sets of information, both structured and unstructured. Artificial intelligence (AI) and machine learning algorithms are used for such analysis. One of the clearest examples of Big Data analysis in literally minutes is modern scoring. The Szybka Gotówka scoring system developed by TAMGA, based on Big Data and machine learning algorithms, analyzes a potential customer using more than 1,500 different parameters in a matter of minutes. In addition to credit history, data for the score is taken from social media, marketing channels and other public sources.
Big Data technology allows the system to process the massive amounts of data it receives in seconds. Machine learning, meanwhile, allows the scoring system to continuously improve, constantly improving the accuracy of a customer’s credit score.
Open Banking
It will not be an exaggeration to say that the historic regulation, which created the possibility for third parties to access a user’s banking data with their consent and became mandatory for European banks with the coming into force of the EU’s PSD2 (Payment Services 2) directive in 2016, ushered in a new financial era – the era of Open Banking.
As a result of the directive’s coming into force, banks, along with other market participants, now have the ability to provide access to their infrastructure through APIs (Application Programming Interfaces) to third parties such as FinTech companies, marketplaces, e-commerce or IT companies. In general, Open Banking will be trendy in the coming years, not only in the IT and financial segments, but in any business where quick funds turnover is important. However, it is traditionally the financial industry that is driving the spread of Open Banking.
For example, TAMGA’s online verification and transaction analysis service Wurmie uses a two-factor authentication method: API keys and IP whitelist in the process of user identification and credit risk analysis.
Baas
Another progressive technology that has had the greatest impact on user experience is BaaS (Banking as a Service). In practice, BaaS is the provision of banking services through third parties. Through APIs, companies outside the financial industry gain access to the financial infrastructure owned by banks, or FinTech, and provide services based on it. What this means for end users is that now you don’t have to switch between applications, but can meet all your financial needs in one comprehensive solution. A great example of the use of BaaS technology in practice is the online lending service Szybka Gotówka, which makes it possible not only to take out a microloan in a few minutes, but also, through API integration with third-party payment systems, to pay utilities directly in the application.
The technologies and services listed above are by no means a complete list of modern innovations. However, they are the foundation on which FinTech products of the near future will be built.
Business
Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.
Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.
The Habits That Build Momentum
At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.
First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.
Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.
Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.
Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.
Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all.
Turning Habits into Infrastructure
What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.
Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.
Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.
Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”
Avoiding the Common Traps
Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.
Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.
Scaling Through Self-Replication
In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.
Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.
In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.
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