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Stay ahead of innovation: TAMGA services and technologies

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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.

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Business

Ethical Affiliate marketing : Defining the Conflict

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Affiliate marketing in the online casino industry walks a fine line between commercial interest and editorial integrity. Affiliates earn commissions when players register or deposit through affiliate links, yet these same affiliates often publish reviews claiming to guide users toward the best and safest operators. This dual role creates a potential conflict of interest: can a reviewer remain truly objective while being financially rewarded for player conversions?

This ethical tension is not hypothetical, it defines the entire casino review system. Readers expect independent recommendations, while advertisers aim for visibility and sign-ups. The challenge, therefore, lies in ensuring that commercial necessity never compromises editorial honesty. Without clear ethical structures, the trust between affiliate and reader quickly collapses, breaking the foundation of any long-lasting brand in the iGaming space.

The Ethical Solution: Editorial Firewalls

Responsible affiliates have developed a structural response to this dilemma known as the “editorial firewall.” This principle strictly separates commercial operations (such as partner negotiations and commission management) from editorial teams responsible for content, ratings, and recommendations. By preventing advertisers or commercial staff from influencing content, affiliates safeguard the objectivity of their reviews.

Antti Virtanen, Editor in Chief of Kasinohai, explains this responsibility clearly:
My primary responsibility is to maintain the editorial firewall. If an advertiser’s payment can influence a casino’s star rating, we have failed our readers, and that short-term gain will instantly destroy the decade of trust we have built.”

The editorial firewall functions much like journalistic separation between newsroom and advertising department. Editors work with established criteria: licensing, game variety, payment methods, and player protection measures. Without any interference from commercial targets. When this discipline is followed, affiliates can confidently assure readers that ratings reflect evidence-based quality, not marketing budgets.

Maintaining such independence often comes with short-term sacrifices: rejecting lucrative offers from less trustworthy operators or declining to modify reviews to appease advertisers. Yet, for ethical affiliates, these sacrifices strengthen the brand’s reputation and guarantee the long-term viability of their business model.

Prioritizing Safety and Trust

True ethical affiliation starts with a single non-negotiable principle: only promote casinos that are safe, licensed, and compliant with responsible gambling regulations. Trust begins at selection. Every casino under review should pass a rigorous safety audit, covering valid gaming licenses, secure payment processing, transparent bonus terms, and the presence of responsible gambling tools such as deposit limits and self-exclusion options.

Antti Virtanen underlines this commitment:
“The ethical commitment begins at the gate: our first and most important filter is licensing and player safety. Any operator that fails our rigorous background checks on responsible gaming tools, fair terms, or payment security will never be promoted, regardless of their commercial offering.”

By excluding unsafe or unlicensed platforms, affiliates act as front-line gatekeepers, shielding players from potential fraud or exploitative practices. Ethical affiliates must also stay proactive, regularly updating their databases and removing any operators that lose licenses, alter fair terms, or develop unresolved consumer complaints. This proactive maintenance shows readers that the site’s focus is not only on visibility but on genuine player well-being.

Ethics in affiliate marketing also extend to how bonuses and offers are presented. Affiliates must reject misleading promotions that hide behind fine print or impose unrealistic wagering requirements. Fair representation of bonus terms not only protects players but also differentiates responsible affiliates from competitors who prioritize click volume over credibility.

Transparent Disclosure

Transparency is a cornerstone of ethical affiliate marketing. Readers deserve to understand how affiliate links work and how they affect the content they see. A clear, accessible disclosure explains that the affiliate may receive compensation when users register or deposit through referral links. However, this relationship should never impact the user’s cost, terms, or overall experience on the casino site.

The purpose of transparency is twofold: it builds trust with readers and aligns with regulatory expectations for advertising disclosures. A good disclosure statement is not hidden in small print; it’s presented as part of the site’s editorial ethic. It assures visitors that commercial partnerships never influence ratings, reviews, or recommendations.

In practice, this can appear as a brief statement at the start or end of a review, linking to a detailed explanation of the site’s business model. Clear communication empowers readers to make informed decisions and it alleviates the underlying skepticism that often surrounds online casino reviews.

Transparency also extends to responsible gambling communication. Affiliates should remind readers that gambling involves risk and provide visible links to national helplines, self-exclusion tools, and player protection resources. When ethical values are embedded not only in compliance checklists but also in editorial tone, the brand earns genuine user respect.

Long-Term Value

The ultimate goal of ethical affiliate marketing is sustainability building a relationship of long-term trust that outlasts the allure of short-term profits. A single misleading recommendation might boost conversions temporarily, but the resulting loss of credibility can permanently damage a brand.

Antti Virtanen captures this philosophy:
“In the end, ethical affiliate marketing is not a high-volume business; it’s a high-trust business. Our long-term success isn’t measured by the conversion rate of a click, but by the number of players who return to us because we saved them from a poor or unsafe experience.”

This perspective reframes success away from mere performance metrics toward qualitative measures: user satisfaction, returning readership, and brand reliability. Ethical affiliates understand that authority and trust cannot be purchased—they are earned through consistent transparency, careful editorial standards, and user-focused decision-making.

Long-term value also aligns with broader industry goals of promoting responsible gambling and sustainable player engagement. Affiliates that champion these principles contribute positively to the reputation of the iGaming industry as a whole.

Ethical affiliate marketing is not a static policy it is an ongoing commitment to transparency, responsibility, and respect for the audience’s trust. Establishing strict editorial firewalls, prioritizing player safety, and maintaining open disclosure practices form the blueprint for sustainable success. In an environment driven by competition and revenue potential, ethics are not a hindrance but the very strategy that distinguishes credible affiliates from the rest.

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