Harpal Sandhu co-founded Integral in 1993 with Viral Tolat. In the late 1990s Harpal foresaw the dramatic impact that e-commerce would have on wholesale capital markets. He began adapting Integral's strategy and core technologies — the risk management, analysis and capital markets trading software that were used by many of the major banks, including Citibank, JP Morgan, CIBC, Merrill Lynch and others — to leverage the advent of e-commerce. Simultaneously, Harpal set out to expand Integral's executive management team and to prepare the company for rapid growth. Prior to founding Integral in 1993 with Viral Tolat, Harpal was founder and president of Infinity Financial Technology, a leading supplier of software products for the financial services industry, which was acquired by SunGuard Data Systems in 1998. Harpal began his career as a financial engineer in the Capital Markets Product Development Group at Morgan Stanley & Company. Working at its New York and London offices, he helped model many of the early derivative financial instruments. Harpal holds a BA from Stanford University. He is also a frequent speaker at industry events and conferences.