Vikas Ranjan, a principal of Ubika Research, has over 15 years of experience in investment management, finance, customer analytics and research. His experience includes management positions with TAL Global Asset Management and Bank of Montreal. He holds a Bachelor of Art degree in economics and a Master of Management Studies from University of Mumbai and an MBA in Finance from McGill University. Ranjan co-founded P2P Systems Inc., which was acquired by Microforum Inc.