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
13 Reasons Investors Are Watching Phoenix Energy’s Expansion in the Williston Basin

As energy security becomes a growing priority in the United States, companies focused on domestic oil production are gaining attention from investors. One such company is Phoenix Energy, an independent oil and gas company operating in the Williston Basin, a prolific oil-producing region spanning North Dakota and Montana.
Phoenix Energy has established itself as a key player in this sector, expanding its footprint while offering structured investment opportunities to accredited investors. Through Regulation D 506(c) corporate bonds, the company provides investment options with annual interest rates ranging from 9% to 13%.
Here are 13 reasons why Phoenix Energy is attracting investor interest in 2025:
1. U.S. energy production remains a strategic priority
The global energy landscape is evolving, with a renewed focus on domestic oil and gas production to enhance economic stability and reduce reliance on foreign energy sources. The Williston Basin, home to the Bakken and Three Forks formations, continues to play a critical role in meeting these demands. Phoenix Energy has established an operational footprint in the basin, where it is actively investing in development and production.
2. Investment opportunities with fixed annual interest rates
Phoenix Energy bonds offer accredited investors annual interest rates between 9% and 13% through Regulation D 506(c). These bonds help fund the company’s expansion in the Williston Basin, where it acquires and develops oil and gas assets.
3. Record-breaking drilling speeds in the Williston Basin
Phoenix Energy has made significant strides in drilling efficiency, ranking among the fastest drillers in the Bakken Formation as of late 2024. By reducing drilling times, the company aims to optimize operations and improve overall production performance.
4. Expansion of operational footprint
Since becoming an operator in September 2023, Phoenix Energy has grown rapidly. As of March 2025, the company has 53 wells drilled and 96 wells planned over the next 12 months.
5. Surpassing production expectations
Phoenix Energy’s oil production has steadily increased. By mid-2024, its cumulative production had exceeded 1.57 million barrels, outpacing its total output for 2023. The company projected an exit rate of nearly 20,000 barrels of oil equivalent per day by the end of March 2025.
6. High-net-worth investor offerings
For investors seeking alternative investments with higher-yield opportunities, Phoenix Energy offers the Adamantium bonds through Reg D 506(c), which provides corporate bonds with annual interest rates between 13% and 16%, with investment terms ranging from 5 to 11 years, and a minimum investment of $2 million.
7. Experienced team with industry-specific expertise
Phoenix Energy’s leadership and technical teams include professionals with decades of oil and gas experience, including backgrounds in drilling engineering, land acquisition, and reservoir analysis. This level of in-house expertise supports the company’s ability to evaluate acreage, manage operations, and execute its long-term development plans in the Williston Basin.
8. Focus on investor communication and understanding
Phoenix Energy prioritizes clear investor communication. The company hosts webinars and provides access to licensed professionals who walk investors through the business model and operations in the oil and gas sector. These efforts aim to help investors better understand how Phoenix Energy deploys capital across mineral acquisitions and operated wells.
9. Managing market risk through strategic planning
The energy sector is cyclical, and Phoenix Energy takes a structured approach to risk management. The company employs hedging strategies and asset-backed financing to help mitigate potential fluctuations in the oil market.
10. Commitment to compliance
Phoenix Energy conducts its bond offerings under the SEC’s Regulation D Rule 506(c) exemption. These offerings are made available exclusively to accredited investors and are facilitated through a registered broker-dealer to support adherence to federal securities laws. Investors can review applicable offering filings on the SEC’s EDGAR database.
11. Recognition for business practices
As of April 2025, Phoenix Energy maintains an A+ rating with the Better Business Bureau (BBB) and is a BBB-accredited business. The company has also earned strong ratings on investor review platforms such as Trustpilot and Google Reviews, where investors often highlight clear communication and transparency.
12. A family-founded business with a long-term vision
Led by CEO Adam Ferrari, Phoenix Energy operates as a family-founded business with a focus on long-term investment strategies. The company’s leadership emphasizes responsible growth and sustainable development in the Williston Basin.
13. Positioned for long-term growth in the oil sector
With U.S. energy demand projected to remain strong, Phoenix Energy is strategically positioned for continued expansion. The company’s focus on efficient drilling, financial discipline, and structured investment offerings aligns with its goal of building a resilient and growth-oriented business.
Final thoughts
For investors looking to gain exposure to the U.S. oil and gas sector, Phoenix Energy presents an opportunity to participate in a structured alternative investment backed by the company’s operational expansion in the Williston Basin.
Accredited investors interested in learning more can attend one of Phoenix Energy’s investor webinars, which are hosted daily throughout the week. These sessions provide insights into market trends, risk management strategies, and investment opportunities.
For more information, visit the Phoenix Energy website.
Phoenix Capital Group Holdings, LLC is now Phoenix Energy One, LLC, doing business as Phoenix Energy. The testimonials on review sites may not be representative of other investors not listed on the sites. The testimonials are no guarantee of future performance or success of the Company or a return on investment. Alternative investments are speculative, illiquid, and you may lose some or all of your investment. Securities are offered by Dalmore Group member FINRA/SIPC. Dalmore Group and Phoenix Energy are not affiliated. See full disclosures.
This article contains forward-looking statements based on our current expectations, assumptions, and beliefs about future events and market conditions. These statements, identifiable by terms such as “anticipate,” “believe,” “intend,” “may,” “expect,” “plan,” “should,” and similar expressions, involve risks and uncertainties that could cause actual results to differ materially. Factors that may impact these outcomes include changes in market conditions, regulatory developments, operational performance, and other risks described in our filings with the U.S. Securities and Exchange Commission. Forward-looking statements are not guarantees of future performance, and Phoenix Energy undertakes no obligation to update them except as required by law.
-
Tech4 years ago
Effuel Reviews (2021) – Effuel ECO OBD2 Saves Fuel, and Reduce Gas Cost? Effuel Customer Reviews
-
Tech6 years ago
Bosch Power Tools India Launches ‘Cordless Matlab Bosch’ Campaign to Demonstrate the Power of Cordless
-
Lifestyle6 years ago
Catholic Cases App brings Church’s Moral Teachings to Androids and iPhones
-
Lifestyle4 years ago
East Side Hype x Billionaire Boys Club. Hottest New Streetwear Releases in Utah.
-
Tech6 years ago
Cloud Buyers & Investors to Profit in the Future
-
Lifestyle5 years ago
The Midas of Cosmetic Dermatology: Dr. Simon Ourian
-
Health6 years ago
CBDistillery Review: Is it a scam?
-
Entertainment6 years ago
Avengers Endgame now Available on 123Movies for Download & Streaming for Free