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. Subscribe for daily updates.
Why Every Business Should Build Weekly Cash Flow Forecasts

When most finance professionals hear the term “13 week cash Forecast,” they view it as a burden—one more task to appease an overbearing lender. It doesn’t help that it seems less exciting than analyzing an investment or acquisition. Therefore, people often only prioritize these forecasts in distressed situations, when it is too late to take corrective actions.

However, in this article, Toptal Finance Expert Marty Mooney argues that weekly cash forecasts are crucial for all businesses, irrespective of size, health, or sector. It also provides a simple tutorial for efficiently building such analyses.

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Fintech and Banks: How Can the Banking Industry Respond to the Threat of Disruption?

Fintech attention tends to focus on startups and their efforts to unbundle the financial service industry’s suite of services. But how are banks responding to this disruptive threat? Despite their wealth, talent, and rich history of innovation, they have been sluggish to respond to the upstart movement.

This article suggest four ways banks can change their tact and respond better to fintech.

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Commercial Drones Are Revolutionizing Business Operations

When most hear “drone,” they think expensive military aircrafts or small consumer toys. However, the future of drones will actually be shaped by practical commercial applications, due to their ability to drive efficiency and data analytics.

This article defines drones and their total addressable market and highlights how their capabilities can be leveraged in commercial business operations. It also includes investment trends and predictions for the future of the industry.

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Bridgewater's Ray Dalio: Quiet Pioneer of Big Data, Machine Learning, and Fintech

Ray Dalio is an investing legend whose success is most often attributed to investment acumen. This article argues that it was equally due to his foresight as an early but quiet adopter of computational systems, big data techniques, and artificial intelligence that resulted in his outstanding success. Bridgewater was one of the world’s earliest fintech companies.

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Great Recent Examples of Competitive Strategy Successes

Competitive strategy frameworks are widely known and mainstays of university curricula, despite being almost 40 years old. We often hear the stories of Walmart and Southwest Airlines, but what modern examples are there? In this article we use Michael Porter’s activity positioning framework to show successful applications of competitive strategy from modern digital companies.

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Why More Entrepreneurs are Choosing To Build Search Funds over Startups

Search funds, though once an esoteric asset class and model for entrepreneurship, have seen a substantial rise in popularity in recent years. They can often represent a superior alternative to the venture-backed startup route especially for a select cohort of formally trained entrepreneurs, most of all those who deeply understand their motives, risk appetites, and contextual/financial encumbrances.

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Cybersecurity: What Every CEO and CFO Should Know

$7.35 million. That’s the average cost of a data breach is. Sure, cybersecurity isn’t sexy. However, in today’s digital age, it is undeniably critical for large corporations and small startups alike. This is compounded by the fact that hacks are becoming commonplace.

Read on to arm yourself with awareness to these invisible threats, and tangible steps you can take to protect yourself and your company.

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Demystifying Cryptocurrencies, Blockchain, and ICOs

Despite significant advancements, cryptocurrencies remain highly controversial; while some tout it as “the next internet,” others view Bitcoin as “evil.” At their simplest, they are the newest fintech fad; yet at their most complex, they’re a revolutionary technology challenging the political and social underpinnings of society. This article will demystify cryptocurrencies’ appeal, its complex underlying technology, and its value. It will also examine the accounting and regulatory, and privacy issues surrounding the space.

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Should We Rethink the Use of EBITDA?

EBITDA is one of the most common metrics in finance. However, while intended to provide a “cleaner” picture of operating performance than net income, in reality it often achieves the opposite effect. It is also in many cases a questionable proxy for cash flow, as well as a dubious valuation tool.

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Why Investors are Irrational, According to Behavioral Finance

Though traditional economic theory posits that individuals are rational, we all know this to be an oversimplification of the truth. The cyclical investment process is rife with psychological pitfalls. Only by becoming aware of and actively avoiding innate behavioral biases can investors reach impartial decisions. Herein lies the true value of the emerging field of behavioral finance, which sheds light on true financial behavior.

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How Artificial Intelligence Is Disrupting Finance

As consumers, we’re familiar with AI: we benefit from cars that parallel park themselves, devices that respond when asked questions, and streaming platforms that suggest shows we may like. However, professionally, the larger question is how industries will harness the power of AI. In finance, AI offers opportunities for operational efficiencies in everything from risk management and trading to insurance underwriting.

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Experts’ Corner: Pitch Deck Tips for Fundraising Success

Fundraising, for companies at any stage, is undoubtedly a challenging process. Even for seasoned entrepreneurs and startups already experiencing market traction, a compelling pitch and accompanying pitch deck are still necessary. While there is variance around stylistic delivery of the pitch and aesthetic of the deck itself, you might be relieved to hear that the infamous pitch deck boils down to a formula.

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Advanced PowerPoint Presentation Tips & Hacks

Many have a love-hate relationship with PowerPoint presentation design. While extremely flexible, the tool can also be manual and tedious. Remove some of the friction with these advanced PowerPoint presentation tips and tricks, as provided by a former management consultant. Whether you’re designing a pitch deck or communicating your analysis to internal stakeholders, these hacks will enable you to quickly build engaging, creative presentations.

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