CINXE.COM
Asiapedia Business Resource Library | Dezan Shira & Associates
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href="https://www.dezshira.com/services/business-intelligence/cross-country-competitiveness-benchmarking">Cross Country Benchmarking</a></li> <li><a href="https://www.dezshira.com/services/business-intelligence/location-analysis-site-selection">Location Analysis and Site Selection</a></li> <li><a href="https://www.dezshira.com/landing/market-entry">Market Entry Strategy</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/Business-Intelligence.jpg" width="276"> <p>Leverage our business intelligence services to optimize your strategy with our expert analysis, gain actionable insights, make informed decisions, and stay ahead in Asia’s competitive markets. </p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab28">Corporate Establishment and Governance</h3> <div class="mega-mtab-content" id="mgtab28"> <div class="page-link-block"> <h3 class="service-page-heading">Corporate Establishment and Governance</h3> <h4 class="service-page-subheading"><a href="https://www.dezshira.com/services/business-advisory-services/corporate-establishment">Our Corporate Establishment and Governance Services </a></h4> <ul> <li> <a href="https://www.dezshira.com/services/business-advisory-services/corporate-establishment#Corporate%20Governance%20and%20Compliance">Corporate Governance</a></li> <li><a href="https://www.dezshira.com/services/business-advisory-services/corporate-establishment#Corporate%20Structuring">Corporate Structuring</a></li> <li> <a href="https://www.dezshira.com/services/business-advisory-services/corporate-secretarial-service">Corporate Secretarial </a></li> <li> <a href="https://www.dezshira.com/services/business-advisory-services/corporate-establishment">Nominee Director </a></li> <li> <a href="https://www.dezshira.com/services/outbound-direct-investment">Outbound Direct Investment </a></li> <li><a href="https://www.dezshira.com/services/payroll-human-resource-administration/global-staffing-solutions">Professional Employer Organization</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/Corporate-Establishment.jpg" width="276"> <p>Our corporate establishment and governance services ensure your business is set up efficiently and operates within requisite legal frameworks across Asia.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab29">境外直接投资</h3> <div class="mega-mtab-content" id="mgtab29"> <div class="page-link-block"> <h3 class="service-page-heading">境外直接投资</h3> <h4 class="service-page-subheading"><a href="/cn/services/outbound-direct-investment">境外直接投资咨询</a></h4> <ul> <li><a href="/location/china">中文事务部</a></li> <li><a href="/cn/services/business-advisory/mergers-acquisitions-services">并购</a></li> <li><a href="/cn/services/business-advisory-services/corporate-establishment">公司设立与治理</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/Corporate-Establishment.jpg" width="276"> <p>我们的境外投资咨询团队致力于为有意拓展海外业务的中国及亚洲企业提供专业且全面的服务。</p> <div class="b-cta-list"> <a href="https://www.dezshira.com/location/china#contact">联系我们</a> </div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab30">HR and Payroll</h3> <div class="mega-mtab-content" id="mgtab30"> <div class="page-link-block"> <h3 class="service-page-heading">HR and Payroll</h3> <h4 class="service-page-subheading"><a href="https://www.dezshira.com/services/payroll-human-resource-administration">Our HR and Payroll Services</a></h4> <ul> <li><a href="https://www.dezshira.com/services/payroll-human-resource-administration/asiaadmin">asiaadmin® - Your HR and Payroll Solution for Asia</a></li> <li><a href="https://www.dezshira.com/services/payroll-human-resource-administration/recruitment-services">Executive Search and Recruitment</a></li> <li><a href="https://www.dezshira.com/services/payroll-human-resource-administration#Human Resources">Human Resources</a></li> <li><a href="https://www.dezshira.com/services/payroll-human-resource-administration#Payroll">Payroll</a></li> <li><a href="https://www.dezshira.com/services/payroll-human-resource-administration/global-staffing-solutions">PEO and Global Staffing Solutions</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/HR.jpg" width="276"> <p>Our HR services in Asia ensure your business meets local compliance, attracts top talent, and implements effective HR strategies for sustained growth.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab32">Mergers and Acquisitions</h3> <div class="mega-mtab-content" id="mgtab32"> <div class="page-link-block"> <h3 class="service-page-heading">Mergers and Acquisitions</h3> <h4 class="service-page-subheading"><a href="https://www.dezshira.com/services/business-advisory/mergers-acquisitions-services">Our M&A Services</a></h4> <ul> <li><a href="https://www.dezshira.com/services/legal-financial-due-diligence">Due Diligence</a></li> <li><a href="https://www.dezshira.com/services/business-advisory/mergers-acquisitions-services#Initial%20Offer%20and%20Negotiation">Initial Offer and Negotiation</a></li> <li><a href="https://www.dezshira.com/services/business-advisory/mergers-acquisitions-services#Post-Merger%20Integration">Post-Merger Integration</a></li> <li><a href="https://www.dezshira.com/services/business-advisory/mergers-acquisitions-services#Signing%20and%20Deal%20Closing">Signing and Deal Closing</a></li> <li><a href="https://www.dezshira.com/services/business-advisory/mergers-acquisitions-services#Target%20Research%20and%20Identification">Target Research and Identification</a></li> <!-- <li><a href="https://www.dezshira.com/asiamerger/search?type=buy">asiamerger – M&A listings</a></li> --> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/M&A.jpg" width="276"> <p>Navigating an M&A transaction in Asia successfully requires overcoming unique regulatory, transparency, and other “emerging market” factors. We specialize in dedicated and cross-functional M&A project support.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab44">Risk Management, Compliance and ESG.</h3> <div class="mega-mtab-content" id="mgtab44"> <div class="page-link-block"> <h3 class="service-page-heading">Risk Management, Compliance <br>and ESG</h3> <h4 class="service-page-subheading"><a href="https://www.dezshira.com/services/risk-management-compliance">Our Risk Management and Compliance Services</a></h4> <ul> <li><a href="https://www.dezshira.com/services/risk-management/esg-compliance-and-sustainability">Sustainability and ESG Compliance</a></li> <li><a href="https://www.dezshira.com/services/risk-management-compliance#Fraud Prevention">Fraud Prevention</a></li> <li><a href="https://www.dezshira.com/services/risk-management-compliance#Financial%20Statement%20Audits">Financial Statement Audits</a></li> <li><a href="https://www.dezshira.com/services/risk-management-compliance#Risk%20Advisory%20and%20Fraud%20Investigations">Risk Advisory and Fraud Investigations</a></li> <!-- <li><a href="https://www.dezshira.com/services/risk-management-compliance#Sustainability%20and%20ESG%20Compliance">Sustainability and ESG Compliance</a></li> --> <li><a href="https://www.dezshira.com/services/risk-management-compliance#Special%20Purpose%20Reviews">Special Purpose Reviews</a></li> <li><a href="https://www.dezshira.com/services/risk-management-compliance#Yearly%20Statutory%20Audits">Yearly Statutory Audits</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/Risk.jpg" width="276"> <p>Businesses require dependable solutions to ensure strong risk management and compliance. We help create sustainable value in Asia by better addressing areas of operational, financial, and reputational risk.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab45">Tax</h3> <div class="mega-mtab-content" id="mgtab45"> <div class="page-link-block"> <h3 class="service-page-heading">Tax</h3> <h4 class="service-page-subheading"><a href="https://www.dezshira.com/services/tax">Our Taxation Services</a></h4> <ul> <li><a href="https://www.dezshira.com/services/tax#Corporate%20Tax">Corporate Tax</a></li> <li><a href="https://www.dezshira.com/services/tax#Indirect%20Tax%20(including VAT, GST etc.)">Indirect Tax (including VAT, GST etc.)</a></li> <li><a href="https://www.dezshira.com/services/tax#Individual%20Income%20Tax">Individual Income Tax</a></li> <li><a href="https://www.dezshira.com/services/tax#International%20Tax,%20Cross-Border%20Tax%20and%20Transactions">International Tax, Cross-Border Tax and Transactions</a></li> <li><a href="https://www.dezshira.com/services/tax#Transfer%20Pricing">Transfer Pricing</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/Tax.jpg" width="276"> <p>Tax planning considerations and regulations are complex and often changing, particularly in emerging markets. We help companies expertly navigate Asia’s corporate, indirect, individual, international tax, and transfer pricing domains.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab46">Technology</h3> <div class="mega-mtab-content" id="mgtab46"> <div class="page-link-block"> <h3 class="service-page-heading">Technology</h3> <h4 class="service-page-subheading"><a href="https://www.dezshira.com/services/information-technology-solutions">Our Technology Services</a></h4> <ul> <li><a href="https://www.dezshira.com/services/information-technology-solutions#Cloud%20Applications">Cloud Applications</a></li> <li><a href="https://www.dezshira.com/services/information-technology-solutions#Cybersecurity%20and%20Audit">Cybersecurity and Audit</a></li> <li> <a href="https://www.dezshira.com/services/accounting-reporting/digital-expense-management">Digital Expense Management (China) </a></li> <li><a href="https://www.dezshira.com/services/information-technology/cybersecurity-and-compliance-advisory">Data Privacy and Compliance</a></li> <li><a href="https://www.dezshira.com/services/information-technology/erp-advisory-localization-and-integration">ERP and Information Systems</a></li> <li><a href="https://www.dezshira.com/services/information-technology-solutions#IT%20Infrastructure%20and%20Integration%20Services">IT Infrastructure and Integration Services</a></li> <li><a href="https://www.dezshira.com/services/information-technology-solutions#Transformation%20and%20Cloud%20Services">Transformation and Cloud Services</a></li> <li> <a href="https://www.dezshira.com/services/accounting-reporting/lightweight-client-erp-for-accounting-services-customers">Lightweight ERP Service Bundle</a></li> <li><a href="https://www.dezshira.com/services/information-technology/virtual-cio-service">Virtual CIO and Advisory Services</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/service-areas/Technology.jpg" width="276"> <p>Operating in Asia requires navigating local technology solutions, compliance regimes, and languages. We provide resources and solutions that businesses need to stay ahead of the curve.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">Contact us today</a><a href="https://www.dezshira.com/brochure">View our corporate brochures</a><a href="https://www.dezshira.com/success-stories/testimonials">Success stories</a></div> </div> </div> </div> </div> <div class="servicetabcontent" id="industryFocus"> <ul class="mega-mtabs tabs-margin-top mega-mtabs-scroll"> <li class="active" rel="mgtab01"> <span><a href="/industries/education">Education</a></span></li> <li rel="mgtab34"> <span><a href="/industries/entertainment-sports">Entertainment and Sports</a></span></li> <li rel="mgtab35"> <span><a href="/industries/environment-cleantech">Environment and Cleantech</a></span></li> <li rel="mgtab36"> <span><a href="/industries/food-beverage">Food and Beverage</a></span></li> <li rel="mgtab37"> <span><a href="/industries/healthcare">Healthcare</a></span></li> <li rel="mgtab38"> <span><a href="/industries/information-technology">Information Technology</a></span></li> <li rel="mgtab39"> <span><a href="/industries/manufacturing">Manufacturing</a></span></li> <li rel="mgtab40"> <span><a href="/industries/non-governmental-organizations">Non-Governmental Organizations</a></span></li> <li rel="mgtab41"> <span><a href="/industries/professional-services">Professional Services</a></span></li> <li rel="mgtab42"> <span><a href="/industries/trade-and-e-commerce">Trade and E-commerce</a></span></li> </ul> <div class="mega-mtab-container padding-top-tab-content"> <h3 class="d_active mega-mtab-heading" rel="mgtab01">Education</h3> <div class="mega-mtab-content" id="mgtab01"> <div class="page-link-block"> <h3 class="service-page-heading">Education</h3> <h4 class="service-page-subheading"> <a href="https://www.dezshira.com/industries/education">How We Can Help </a></h4> <h5 class="featured-insight-heading">FEATURED INSIGHTS</h5> <ul> <li> <a href="https://www.china-briefing.com/news/chinas-education-sector-latest-trends-and-policies/" target="_blank">China’s Education Sector: Latest Trends and Policies </a></li> <li> <a href="https://www.asiabriefing.com/store/book/investing-india-education-market-online-FDI-tax-regulations.html" target="_blank">Investing in India's Education Market</a></li> <li> <a href="https://www.aseanbriefing.com/news/cambodia-issues-tax-incentives-education-sector/" target="_blank">Cambodia Issues Tax Incentives for the Education Sector </a></li> <li> <a href="https://www.vietnam-briefing.com/doing-business-guide/vietnam/sector-insights/industry-spotlight-vietnam-s-growing-appetite-for-education" target="_blank">Education in Vietnam: Opportunities and Challenges </a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/industry-focus/Education.jpg" width="276"> <p>Investors in Asia's growing education sector face restrictive caps, evolving regulations, and technological disruptions. Our expertise helps you navigate these challenges successfully.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">See how we can support your business</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab34">Entertainment and Sports</h3> <div class="mega-mtab-content" id="mgtab34"> <div class="page-link-block"> <h3 class="service-page-heading">Entertainment and Sports</h3> <h4 class="service-page-subheading"> <a href="https://www.dezshira.com/industries/entertainment-sports">How We Can Help </a></h4> <h5 class="featured-insight-heading">FEATURED INSIGHTS</h5> <ul> <li> <a href="https://www.china-briefing.com/news/china-eases-foreign-ownership-restrictions-for-theme-park-cinema-and-entertainment-exhibition-operators/" target="_blank">China Eases Foreign Ownership Restrictions for Theme Park, Cinema, and Entertainment Exhibition Operators </a></li> <li> <a href="https://www.india-briefing.com/news/indias-skill-gaming-industry-investment-outlook-regulatory-landscape-24879.html/" target="_blank">India’s Skill Gaming Industry: Investment Outlook and Regulatory Landscape </a></li> <li> <a href="https://www.aseanbriefing.com/news/swiftonomics-fueling-singapores-entertainment-hub-growth/" target="_blank">Swiftonomics: Fueling Singapore’s Entertainment Hub Growth </a></li> <li> <a href="https://www.vietnam-briefing.com/news/the-video-game-industry-in-vietnam-opportunities-and-challenges.html/" target="_blank">The Video Game Industry in Vietnam: Opportunities and Challenges </a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/industry-focus/Entertainment.jpg" width="276"> <p>Asia's entertainment and sports industries are booming, driven by new trends and innovations. We help you navigate the complex market and regulatory landscape.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">See how we can support your business</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab35">Environment and Cleantech</h3> <div class="mega-mtab-content" id="mgtab35"> <div class="page-link-block"> <h3 class="service-page-heading">Environment and Cleantech</h3> <h4 class="service-page-subheading"> <a href="https://www.dezshira.com/industries/environment-cleantech">How We Can Help </a></h4> <h5 class="featured-insight-heading">FEATURED INSIGHTS</h5> <ul> <li> <a href="https://www.china-briefing.com/news/china-tax-incentive-special-equipment-green-digital-development/" target="_blank">China Offers Special Equipment Tax Incentive for Green and Digital Development </a></li> <li> <a href="https://www.asiabriefing.com/store/book/investing-india-green-economy-technology-investing.html" target="_blank">Investing in India’s Green Economy </a></li> <li> <a href="https://www.asiabriefing.com/store/book/prospects-electric-battery-production-indonesia.html" target="_blank">Prospects for Electric Battery Production in Indonesia </a></li> <li> <a href="https://www.vietnam-briefing.com/news/esg-focus-among-foreign-businesses-in-vietnam-vbf-report-highlights.html/" target="_blank">ESG Strategy a Key Focus Area for Foreign Businesses in Vietnam </a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/industry-focus/Environment.jpg" width="276"> <p>The escalating threat of climate change, growing government regulations, and rapid technological advancements create a complex landscape for operating in Asia's environment and cleantech industry. Our experts help you navigate these challenges effectively.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">See how we can support your business</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab36">Food and Beverage</h3> <div class="mega-mtab-content" id="mgtab36"> <div class="page-link-block"> <h3 class="service-page-heading">Food and Beverage</h3> <h4 class="service-page-subheading"> <a href="https://www.dezshira.com/industries/food-beverage">How We Can Help </a></h4> <h5 class="featured-insight-heading">FEATURED INSIGHTS</h5> <ul> <li> <a href="https://www.china-briefing.com/doing-business-guide/china/sector-insights/exporting-food-products-to-china-a-step-by-step-guide" target="_blank">Exporting Food Products to China: A Step by Step Guide </a></li> <li> <a href="https://www.india-briefing.com/news/indias-food-processing-industry-sees-over-inr-70-billion-in-investments-under-pli-scheme-30535.html/" target="_blank">India’s Food Processing Industry Sees Over INR 70 Billion in Investments Under PLI Scheme</a></li> <li> <a href="https://www.aseanbriefing.com/doing-business-guide/indonesia/company-establishment/halal-certification-guide" target="_blank">Comprehensive Guide to Halal Certification in Indonesia </a></li> <li> <a href="https://www.asiabriefing.com/store/book/vietnam-market-entry-strategy-for-foreign-f-b-companies-9869.html" target="_blank">Vietnam Market Entry Strategy for Foreign F&B Companies </a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/industry-focus/Food.jpg" width="276"> <p>Rising disposable incomes, rapidly evolving consumption patterns, and stricter government regulations are reshaping Asia's F&B industry. Our experts help businesses adapt to changes and thrive.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">See how we can support your business</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab37">Healthcare</h3> <div class="mega-mtab-content" id="mgtab37"> <div class="page-link-block"> <h3 class="service-page-heading">Healthcare</h3> <h4 class="service-page-subheading"> <a href="https://www.dezshira.com/industries/healthcare">How We Can Help </a></h4> <h5 class="featured-insight-heading">FEATURED INSIGHTS</h5> <ul> <li> <a href="https://www.china-briefing.com/doing-business-guide/china/sector-insights/understanding-china-s-internet-healthcare-and-opportunities-for-investors" target="_blank">Understanding China’s Internet Healthcare and Opportunities for Investors</a></li> <li> <a href="https://www.asiabriefing.com/store/book/investing-india-healthcare-sector-opportunities-enabling-policies.html" target="_blank">Investing in India's Healthcare Sector: Opportunities and Enabling Policies</a></li> <li> <a href="https://www.aseanbriefing.com/doing-business-guide/singapore/sector-insights/singapore-s-healthcare-industry-gateway-to-asean-s-healthcare-market" target="_blank">Singapore’s Healthcare Industry: Gateway to ASEAN’s Healthcare Market</a></li> <li> <a href="https://www.vietnam-briefing.com/news/why-investors-should-be-optistimic-vietnams-healthcare-industry.html/" target="_blank">Why Investors Should be Optimistic About Vietnam’s Healthcare Industry </a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/industry-focus/Healthcare.jpg" width="276"> <p>Asia's healthcare industry is expanding to meet global demand for innovative healthcare facilities. We help you navigate growth opportunities and the regulatory landscape for business success.</p> <div class="b-cta-list"><a href="https://www.dezshira.com/contact">See how we can support your business</a></div> </div> </div> <h3 class="mega-mtab-heading" rel="mgtab38">Information Technology</h3> <div class="mega-mtab-content" id="mgtab38"> <div class="page-link-block"> <h3 class="service-page-heading">Information Technology</h3> <h4 class="service-page-subheading"> <a href="https://www.dezshira.com/industries/information-technology">How We Can Help </a></h4> <h5 class="featured-insight-heading">FEATURED INSIGHTS</h5> <ul> <li> <a href="https://www.china-briefing.com/doing-business-guide/china/company-establishment/pipl-personal-information-protection-law" target="_blank">Ultimate Guide to PIPL Compliance: Navigating China's Personal Information Protection Law</a></li> <li> <a href="https://www.asiabriefing.com/store/book/accessing-indian-consumers-overseas-opportunities-digital-economy.html" target="_blank">Accessing Indian Consumers from Overseas and Opportunities in the Digital Economy </a></li> <li> <a href="https://www.aseanbriefing.com/doing-business-guide/indonesia/sector-insights/opportunities-in-indonesia-s-financial-technology-sector" target="_blank">Opportunities in Indonesia’s Financial Technology Sector</a></li> <li> <a href="https://www.asiabriefing.com/store/book/complying-vietnam-personal-data-protection-decree.html" target="_blank">Complying with Vietnam’s Personal Data Protection Decree</a></li> </ul> </div> <div class="cta-banner-block"><img src="https://dp3rhc3eohw2j.cloudfront.net/assets/img/mm-images/industry-focus/IT.jpg" width="276"> <p>Asia's IT industry is booming with rapid advancements and increasing digital adoption. 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