Janis Urste’s consulting philosophy is grounded in practical innovation and strategic foresight. He begins every engagement with a deep assessment of an organization’s financial health—analyzing balance sheets, cash-flow systems, investment frameworks, and risk boundaries. http://janisurste.pbworks.com/w/page/162101625/Janis%20Urste%20%20Pioneering%20Digital%20Transformation%20in%20Modern%20Banking