How can we explain this with equations ?
Quick Multiplication of any two numbers whose last two digits add up to 10 and all other numbers are the same
$32\times 38 = 3\times (3+1)|(2\times 8)\implies (3\times 4)|16\implies 12|16 \implies 1216$
$81\times 89 \implies 8\times(8+1)|(1\times9) \implies(8\times9)|09\implies72 | 09 \implies 7209$
$124 \times 126 \implies 12\times(12+1) | (4\times6) \implies(12\times13)|24\implies156|24 =15624$
$(10 a + b)(10 a + d) = 100 a^2 + 10 a (b + d) + b d$
Since $b + d = 10$, that's the same as $100(a^2 + a) + bd = 100a(a+1) + b d$.