Toptal Finance Blog

The Toptal Finance Blog is a hub for in-depth studies and analysis on all facets of finance, ranging from innovative strategies on raising capital to detailed coverage of new finance trends and technologies.

FinanceIcon ChevronProfitability & Efficiency

Digital Banking Innovation in the Age of Disruption

by Nirvikar Jain

To understand the recent decline in prominence of large banking conglomerates we must first understand the innovation history of the industry. This provides clues towards the paths banks must take for an innovative future.

11 minute readContinue Reading
FinanceIcon ChevronInvestors & Funding

Green for Take Off - Inside the Electric Airplane Industry

by Elizabeth J. Howell Hanano, CFA

Will electric airplanes dramatically reduce fuel costs, save the environment, and jumpstart the dying regional industry? In this article, we examine why electric airplanes are having their moment in the sun. We size the market, take bets on the winning players, investigate the challenges in current technologies, and take a guess at when you'll be flying in an electric plane.

13 minute readContinue Reading
FinanceIcon ChevronFinance Processes

Analyzing the Effects of Negative Interest Rates Across Five Economies

by Alex Graham, CFA

What happens when interest rates drop below zero - are you really paid to borrow money? Japan, Sweden, Denmark, Switzerland, and the Eurozone have all experienced negative rates and their experiences give pointers towards the effectiveness of such strategies.

12 minute readContinue Reading
FinanceIcon ChevronRevenue & Growth

Looks That Thrill - Inside the Booming Beauty Industry

by Natasha Ketabchi

How has the beauty industry become extremely innovative? How did Glossier and The Ordinary approach (and crack) the problem of enticing consumers, building brand loyalty and creating unique experiences? The lessons are relevant for all DTC companies.

11 minute readContinue Reading
FinanceIcon ChevronInvestors & Funding

Equity Levels of Value: The Logic Behind Premiums and Discounts

by S. Nathan Krishnan

Business value is much more than just the sum of discounted future cash flows. There are strategic elements related to equity control that also determine true worth. These factors manifest through control, liquidity, marketability, and synergistic discounts and premiums.

10 minute readContinue Reading
FinanceIcon ChevronInvestors & Funding

Looking at Failed IPOs in the Age of the Unicorn

by Natasha Ketabchi

For many years, the IPO market appeared dormant. 2019, however, is bucking the trend with a large number of high-profile tech companies going live on stock exchanges. Not all of these IPOs have been successes. What is the process and what determines success (or lack thereof)?

9 minute readContinue Reading
FinanceIcon ChevronFinance Processes

Google Apps Script Tutorial for Mastering Macros

by Stefan Thelin

Google Apps Script may appear familiar to those with knowledge of Microsoft’s Visual Basic for Applications (VBA) language. However, Google’s coding offers more integrations and the ability to harness workflows seamlessly across spreadsheets, documents, and presentations.

11 minute readContinue Reading
FinanceIcon ChevronFinance Processes

Why You Should Move to Google Sheets

by Stefan Thelin

Google Sheets offers a more collaborative and expansive approach towards spreadsheet management for finance professionals.

9 minute readContinue Reading

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