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 ChevronInvestors & Funding

The State of Fintech in 2017

by Rajeev Jeyakumar

The financial services industry is seeing a wave of innovation that is bringing with it new technology, but also a need to attract and develop talent that have the skillset needed to operate in this changing environment. This article delves into some of the most important trends affecting the industry.

9 minute readContinue Reading
FinanceIcon ChevronProfitability & Efficiency

Choosing the Right eCommerce Business Model to Sell Your Product

by Martin Smith

As retail continues to shift online, businesses and manufacturers are faced with ever-growing pressures to build serious online presences and distribution. This article looks at the different options available, and assesses their merits and considerations from a financial standpoint

18 minute readContinue Reading
FinanceIcon ChevronInvestors & Funding

Has the US Equity Crowdfunding Market Lived up to Expectations?

by Toby Clarence-Smith

Four years on from the signing of the JOBS act, equity crowdfunding remains a small, niche market. In this article, we take a look at the current state of equity crowdfunding in the US and assess some of the challenges the market faces if it wants to grow into its potential.

14 minute readContinue Reading
FinanceIcon ChevronRevenue & Growth

The Importance of Customer Retention — An Empirical Study

by Josh Chapman

Startups nowadays are hyper focused on growth at all costs, a practice which often undermines the fundamental health of the business. This article takes an in-depth look at the importance of focusing on customer retention from day one and the practical benefits it can provide in the medium to long term.

14 minute readContinue Reading
FinanceIcon ChevronInvestors & Funding

What is the Border Adjustment Tax? Potential Benefits and Risks

by Melissa Lin

With tax reform discussions likely to rise to the national forefront, this article provides analysis regarding border adjustment taxes and the recent House proposal. It assesses economic implications and historical comparisons to help you understand how you and your business might be impacted.

11 minute readContinue Reading
FinanceIcon ChevronFinance Processes

Power Pivot for Excel Tutorial: Top Use Cases and Examples

by Ellen Su

With the arrival and growing ubiquity of big data, Excel, as a data-mining and processing tool has been pushed to its limits—reflected in its dated 1,048,576 row hard limit and the application’s processing speed slowing to a crawl. As of 2010, Microsoft released a Power Pivot function that transformed the scope and usefulness of Excel where the extraction, combination, and analysis of large datasets are concerned. Using live cases, Finance Expert Ellen Su explores in detail how to master Power Pivot and explores its hidden advantages as a big data tool.

17 minute readContinue Reading
FinanceIcon ChevronRevenue & Growth

SaaS Pricing Models - Pricing Strategy Examples and Best Practices

by Tayfun Uslu

Pricing strategy is one of the most important financial levers that companies have at their disposal to influence the financial success of their business. However, it is not an easy task. This article analyzes SaaS software pricing strategies and finds that several of the operational characteristics of the business model generate some very useful pricing advantages that can help drive financial performance.

19 minute readContinue Reading
FinanceIcon ChevronInvestors & Funding

Open Source Software - Investable Business Model or Not?

by Natallia Chykina

Open-source software is a catalyst for growth and change in the IT industry, and one can’t overestimate its importance to the sector. In recent years, there has been a surge in venture capital dollars pouring into the sector. In this article, we analyse whether recent valuations make sense, and whether the open-source model lends itself to the returns profile that venture capital investors look for.

13 minute readContinue Reading

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