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Kuala Lumpur, January 6, 2025: The Asia School of Business (ASB) and the Massachusetts Institute of Technology’s Sloan School of Management have signed a renewal agreement to extend their decade-long collaboration. ASB was established in 2015 as a collaboration between Bank Negara, the Central Bank of Malaysia, and MIT Sloan with a goal of establishing a premier business school in Malaysia.

Over the last decade, ASB has grown to fulfil this aspiration with demonstrated excellence in research, education and innovation. Its three programs – Master of Business Administration, Executive Master of Business Administration and Master in Central Banking – have created impactful leaders that are making meaningful contributions in global business and central banking. ASB’s faculty have received multiple international awards for their scholarship and seen their work make significant contributions in society, business and governments.

ASB has introduced a unique curriculum and pedagogy to the region. Learning is intellectual and hands-on through its signature action learning program. More and more of ASB’s classes are “flipped” so that in-class time is devoted to studio-like learning. In addition to ASB’s exceptional faculty, ASB students receive lectures from visiting MIT faculty, and ASB students in turn visit MIT Sloan for an extended immersion program, in which they receive full exposure to the ecosystem there.

“This is an exciting moment for MIT Sloan as we embark on the next chapter of our strong collaboration with the Asia School of Business,” said Georgia Perakis, the John C Head III Dean (Interim) of the MIT Sloan School of Management. “As MIT Sloan remains focused on growth in the ASEAN region, our collaboration with ASB will continue to provide us with the ability to enhance educational opportunities and deliver innovative programs to talented students.”

Professor Sanjay Sarma, ASB CEO, President and Dean, said: “Our collaboration with MIT Sloan has been transformative, providing our ASB students with a unique and unmatched experience that blends rigorous academics with practical application. We not only have top-notch faculty at ASB, our students acquire leadership skills to stay abreast of the latest in a world that is undergoing a period of extraordinary change today.  ASB’s location at the heart of ASEAN and Asia is ideal to apply these concepts in a region of great dynamism. We are preparing our students to confront these changes – whether it is AI, data science or sustainability – through a mindset that embraces growth, change and transformation.”

Highlights of the MIT Sloan and ASB collaboration
  • World-class faculty: Together with ASB’s own international resident faculty, courses are taught by faculty from MIT Sloan for diverse, global perspectives.
  • Cutting-edge curriculum: Blending both MIT Sloan and ASB’s rigorous academic standards and innovative approaches, graduates gain knowledge and skills that they can apply to succeed in a fast-changing world. ASB’s offerings are available in hybrid form for professionals interested in upskilling themselves in modular, stackable, transferable, and digitally verified micro-credentials format.
  • Immersive, action-learning: Students at ASB engage in real-world projects through case studies and simulations, partnering with industry leaders to solve real-time business challenges.
  • Diverse, international networks: MIT Sloan’s presence offers students access to an immense network of global alumni, faculty, and industry leaders.
  • Pathways to keep learning: ASB’s graduates gain unique, continuous academic pathways to MIT Sloan’s Master of Science in Management Studies (MSMS).
ASB 2025 Moving Forward

ASB is transforming the landscape of business education in the ASEAN region and beyond. Established as a collaboration with MIT Sloan in 2015, ASB continues to leverage this partnership to deliver a world-class educational experience, combining rigorous academics with real-world application. ASB is also charting new pathways through its Agile Continuous Education (ACE) initiative – offering hybrid learning solutions for professionals and companies, providing modular, stackable, and transferable formats for upskilling. Students can earn digitally verified micro-credentials, such as MicroMasters™, and apply these credits toward accelerated degree programs. Complementing its degree programs, ASB’s Iclif Executive Education Center delivers cutting-edge training for corporate leaders, ensuring they remain adept at navigating the complexities of an ever-evolving global economy.

Positioned at the heart of ASEAN, ASB is uniquely situated to connect emerging markets with global opportunities, fostering a new generation of leaders ready to tackle challenges in AI, sustainability, and beyond.

KUALA LUMPUR: The Employees Provident Fund’s (EPF) newly launched Retirement Income Adequacy (RIA) framework establishes a solid foundation for retirement planning, however, questions about its feasibility and effectiveness remain.

Asia School of Business deputy CEO and practice professor of finance Joseph Cherian said the success of the RIA depends on two critical factors.

“Cultivating a culture of financial literacy and early proactive saving among individuals and policymakers and ensuring financial professionals deliver impartiality are critical issues that need to be addressed.

“Further, there is also the issue of cost-effective advice and tailored financial products to help individuals meet their specific RIA target income,” he told SunBiz.

Cherian said these elements are essential to transforming the frame-work from a blueprint into a practical tool for securing retirement readi-ness.

“Yes, the three tiers of the RIA framework are feasible. However, achieving the desired or target income level in retirement depends on having a sufficiently long savings runway and ensuring income adequacy during one’s working years to save in a manner that achieves one of the three RIA benchmarks.

“This requires careful financial planning, disciplined savings, good and unbiased financial advice, and strategic management of financial resources over time,” he said.

On Dec 12, EPF rolled out RIA, a new three-tier savings framework as a reference for Malaysians to maintain different levels of financial security post-retirement.

Launched in tandem with Belanjawanku 2024/2025, the newly introduced RIA framework revises the recommended savings level from a single benchmark to three tiers, comprising “basic”, “adequate”, and “enhanced” levels of savings.

Cherian noted that the newly launched RIA framework by the EPF aims to address retirement planning in Malaysia, given rising living costs and an ageing population.

Cherian said ideally, retirement payouts under the framework should be indexed to inflation, cost of living, or standard of living metrics to ensure financial security.

He said that without such adjustments, the framework risks losing relevance and purchasing power in an inflationary and volatile economic environment.

Additionally, the government should consider incorporating a form of tail risk insurance into the frame-work.

For example, Cherian said, structuring the RIA scheme as a life annuity of payouts rather than a term annuity would ensure lifelong income security.

“This is especially true for individuals who outlive their planned retirement period, the average life expectancy in Malaysia notwith-standing.

The RIA savings levels table needs to be recalculated to accommodate these tweaks,” Cherian said.

Moreover, he added, a needs-based social security scheme would support those unable to meet the savings threshold, providing a more comprehensive approach to our social security net.

EPF’s recent data reveals a concerning trend, with only 36% of active formal members achieving the basic savings level of RM240,000 by age 55, highlighting a growing retire-ment crisis.

This issue is particularly severe for individuals with limited financial capacity to save adequately.

Cherian said addressing this challenge requires actionable solutions.

“Extending work life, supported by upskilling and flexible education opportunities, can boost savings and delay fund depletion.

“Increasing savings rates through higher contributions during working years can mitigate future shortfalls. Additionally, homeowners could consider reverse mortgage schemes to convert home equity into retirement income.

“While these strategies provide viable options, their success relies on comprehensive policymaking and systemic reforms to ensure long-term impact,” he said.

Cherian said the RIA framework is a commendable step forward, but addressing the complexities of retirement savings and adequacy over one’s lifecycle demands com-prehensive, data-driven stra-tegies and active collaboration among individuals, the academy, insti-tutions, and the government.

“It also involves coming up with feasible strategies for those who cannot make the cut, no matter what.

“By fostering financial pre-paredness and implementing inno-vative policies, Malaysia can turn its retirement challenges into sustain-able growth and social stability opportunities,” Cherian said.

Originally published by The Sun.

THE newly-launched Retirement Income Adequacy (RIA) framework by the Employees Provident Fund (EPF) aims to address retirement planning in Malaysia amid rising living costs and an aging population.

While the EPF should be commended for deriving a three-tiered savings benchmark system for achieving various target monthly expenditures in retirement, questions about its feasibility and effectiveness remain.

Are the Tiers Feasible?

Yes, the three tiers of the RIA framework are feasible. However, achieving the desired or target income level in retirement depends on having a sufficiently long savings runway, as well as ensuring income adequacy during one’s working years in order to save in a manner that achieves one of the three RIA benchmarks.

This requires careful financial planning, disciplined savings, good and unbiased financial advice, and strategic management of financial resources over time.

The RIA framework lays the groundwork, but its success hinges on two additional issues: the ability of individuals and policymakers to foster a culture of financial literacy and proactive saving early in life, and financial professionals giving good, unbiased, and cost-effective advice – as well as suitable financial products – to achieve the individual’s particular RIA target income.

Addressing the Rising Cost of Living

Does the RIA Framework fully address the rising cost of living? Ideally, retirement payouts under the framework should be indexed to inflation, cost of living, or standard of living metrics to ensure financial security.

Without such adjustments, the framework risks losing relevance – as well as purchasing power – in an inflationary and volatile economic environment.

Additionally, the government should consider incorporating a form of tail risk insurance into the framework.

For example, structuring the RIA scheme as a life annuity of payouts rather than a term annuity would ensure lifelong income security. This is especially true for individuals who outlive their planned retirement period, the average life expectancy in Malaysia notwithstanding.

To accommodate for these tweaks, the RIA savings levels table needs to be recalculated.

Moreover, a needs-based social security scheme would support those unable to meet the savings threshold, hence providing a more comprehensive approach to our social security net.

Is Malaysia Facing a Retirement Crisis?

EPF’s recent data showing only 36 per cent of active formal members meet the Basic Savings level of RM240,000 by age 55 signals a looming retirement crisis. This challenge is particularly acute for those with insufficient financial capacity to save adequately.

To address this, potential solutions include:

  • Extending Work Life: Encouraging individuals to remain in the workforce longer, with appropriate upskilling and flexible continuing education elements provided, which can help increase savings and delay retirement fund depletion.
  • Increasing Savings Rates: Promoting higher contributions during working years can help offset future shortfalls.
  • Monetising Assets: Homeowners can explore reverse mortgage schemes to convert home equity into retirement income.

While these solutions offer pathways forward, they must be complemented by robust policymaking and systemic reforms to ensure their effectiveness.

The Way Forward

Malaysia’s retirement challenges require more than surface-level solutions.

Again, the RIA Framework is a commendable step forward, but addressing the complexities of retirement savings and adequacy over one’s lifecycle demands comprehensive, data-driven strategies and active collaboration among individuals, the academy, institutions, and the government.

It also involves coming up with feasible strategies for those who will not be able to make the cut, no matter what.

By fostering financial preparedness and implementing innovative policies, Malaysia can turn its retirement challenges into opportunities for sustainable growth and social stability.

*The writer is deputy chief executive officer and practice professor of finance at the Asia School of Business.

Originally published by NST Business Times.

For most retirees, a secure and sufficient income stream during retirement is the ultimate goal. Traditionally, this is achieved through either a defined benefit (DB) or defined contribution (DC) plan, where contributions made during work­ing years help build a retirement incom. While DB plans place the respon ibility OD institutions, such as governments or private firms, DC plans shift the burden to inctividuals. Herein lies the challenge — managing retirement funds can be daunting without financial expertise.

DB plans,whilesimple to understand,are in­ creasingly unsustainable,with many undcrfunda ed or in financial distTeSs. Consequently, many DB plans are converting ca DC schemes. In a DC plan, individual accumulate savings over time, which ideally would be converted at retirement into an inflation-indexed life annuity,ensuring a stable income adjusted for cost of living.

Read the full article HERE.
Originally published by The Edge.

The newly launched Retirement Income Adequacy (RIA) Framework by the Employees Provident Fund (EPF) aims to address retirement planning in Malaysia amidst rising living costs and an ageing population. While EPF should be commended for deriving a three-tiered savings benchmark system for achieving various target monthly expenditures in retirement, questions about its feasibility and effectiveness remain.

Are the Tiers Feasible?

Yes, the three tiers of the RIA Framework are feasible. However, achieving the desired or target income level in retirement depends on having a sufficiently long savings runway, as well as ensuring income adequacy during one’s working years in order to save in a manner that achieves one of the three RIA benchmarks. This requires careful financial planning, disciplined savings, good and unbiased financial advice, and strategic management of financial resources over time.

The RIA framework lays the groundwork, but its success hinges on two additional issues: The ability of individuals and policymakers to foster a culture of financial literacy and proactive saving early in life and financial professionals giving good, unbiased and cost-effective advice — as well as suitable financial products — to achieve the individual’s particular RIA target income.

Addressing The Rising Cost Of Living

Does the RIA Framework fully address the rising cost of living? Ideally, retirement payouts under the framework should be indexed to inflation, cost of living or standard of living metrics to ensure financial security. Without such adjustments, the framework risks losing relevance — as well as purchasing power — in an inflationary and volatile economic environment.

Additionally, the government should consider incorporating a form of tail risk insurance into the framework. For example, structuring the RIA scheme as a life annuity of payouts rather than a term annuity would ensure lifelong income security. This is especially true for individuals who outlive their planned retirement period, the average life expectancy in Malaysia notwithstanding.

To accommodate these tweaks, the RIA Savings Levels Table needs to be recalculated.

Moreover, a needs-based social security scheme would support those unable to meet the savings threshold, hence providing a more comprehensive approach to our social security net.

Is Malaysia Facing a Retirement Crisis?

EPF’s recent data showing only 36% of active formal members meet the “Basic Savings” level of RM240,000 by age 55 signals a looming retirement crisis. This challenge is particularly acute for those with insufficient financial capacity to save adequately.

To address this, potential solutions include:

  • Extending Work Life: Encouraging individuals to remain in the workforce longer, with appropriate upskilling and flexible continuing education elements provided, which can help increase savings and delay retirement fund depletion.
  • Increasing Savings Rates: Promoting higher contributions during working years can help offset future shortfalls.
  • Monetising Assets: Homeowners can explore reverse mortgage schemes to convert home equity into retirement income.

While these solutions offer pathways forward, they must be complemented by robust policymaking and systemic reforms to ensure their effectiveness.

The Way Forward

Malaysia’s retirement challenges require more than surface-level solutions. Again, the RIA Framework is a commendable step forward, but addressing the complexities of retirement savings and adequacy over one’s lifecycle demands comprehensive, data-driven strategies and active collaboration among individuals, the academy, institutions and the government. It also involves coming up with feasible strategies for those who will not be able to make the cut, no matter what.

By fostering financial preparedness and implementing innovative policies, Malaysia can turn its retirement challenges into opportunities for sustainable growth and social stability.

The author is the Deputy Chief Executive Officer and Practice Professor of Finance at the Asia School of Business

Originally published by Business Today.

LANGKAH memperkenalkan tiga tahap dalam Rangka Kerja Kecukupan Pendapatan Persaraan (RIA) dilihat realistik bagi memastikan keselamatan kewangan ketika persaraan.

Timbalan Ketua Pegawai Eksekutif Asia School of Business, Joseph Cherian berkata, tahap pendapatan sasaran bergantung kepada perancangan kewangan yang rapi, disiplin menyimpan dan pengurusan sumber kewangan secara strategik sepanjang tempoh bekerja.

Katanya, bayaran pencen dalam rangka kerja ini seharusnya diindekskan kepada inflasi atau kos sara hidup bagi memastikan keselamatan kewangan ketika persaraan.

“Namun, usaha ini sahaja tidak mencukupi tanpa adanya perlindungan risiko jangka panjang seperti anuiti hayat menerusi Kumpulan Wang Simpanan Pekerja (KWSP).

“Sekiranya individu hidup lebih lama daripada tempoh persaraan yang dirancang, simpanan mereka berisiko habis.

“Oleh itu, rangka kerja RIA perlu memberi jaminan pendapatan sepanjang hayat,” katanya dalam kenyataan.

Selain itu, beliau turut menekankan kepentingan skim keselamatan sosial berasaskan keperluan untuk membantu individu yang kurang berkemampuan.

Menurutnya, berdasarkan laporan KWSP pada Oktober 2024 menunjukkan hanya 36 peratus ahli aktif mencapai tahap simpanan asas RM240,000 pada usia 55 tahun dan ia satu statistik yang membimbangkan.

Joseph menyifatkan situasi ini sebagai tanda awal krisis persaraan, khususnya bagi mereka yang tidak memiliki tempoh simpanan mencukupi.

“Antara langkah penyelesaian yang boleh diambil adalah dengan melanjutkan tempoh bekerja, meningkatkan simpanan atau mengurangkan perbelanjaan pada masa hadapan.

“Selain itu, kita boleh menggunakan aset seperti rumah melalui skim gadai janji terbalik (reverse mortgage) dan walaupun isu ini rumit, ia boleh diatasi melalui strategi berasaskan data, dasar kukuh dan kerjasama menyeluruh antara kerajaan, sektor swasta dan rakyat,” katanya.

Beliau berkata, bagaimanapun langkah menyeluruh diperlukan untuk memastikan persaraan yang terjamin oleh pekerja di negara ini.

Originally published by Harian Metro.

PETALING JAYA: Substantial policy backing, societal buy-in and integration with broader socio-economic measures are needed to ensure the success of the Employees Provident Fund’s (EPF) new three-tier savings framework.

With the aim to serve as a guide to EPF members on the savings required for a comfortable retirement, the new Retirement Income Adequacy (RIA) Framework was launched yesterday in tandem with the Belanjawanku 2024/2025.

Set to launch in January 2026, the three tiers are namely basic savings, which covers basic necessities; adequate savings, which provides a reasonable quality of life; and enhanced savings to support a higher quality of life.

UCSI University Malaysia finance associate professor and CME research fellow Dr Liew Chee Yoong said the RIA framework sets a structured, multi-tiered system to cater to the varying financial realities of Malaysians and is a progressive shift in managing retirement funds.

“This shift stands out because it recognises the multi-faceted challenges of retirement planning in a country facing rising living costs and a significant informal sector.

“The framework’s comprehensive approach suggests EPF’s intent to transition from a savings-focused model to an income-focused one, crucial for addressing financial security in retirement,” he told StarBiz.

The RIA framework is based on an estimated monthly expenditure of RM2,690 (adequate retirement income) for a single elderly person in Klang Valley, as per the Belanjawanku 2024/2025 guide.

Under this framework, someone within the adequate savings tier must have 240 times the adequate retirement income, amounting to RM650,000 (rounded up to the nearest RM10,000).

An individual is advised to have at least RM390,000 (60% of the amount in adequate savings) in the basic savings tier.

Meanwhile, a person in the enhanced savings category must have two times the adequate savings sum or RM1.3mil.

The current basic savings framework, first introduced in 2008, is a single-tier benchmark.

It is currently set at RM240,000 at age 55 and based on the prevailing minimum government pension of RM1,000 per month.

To phase the transition to the new basic savings level of RM390,000 under the RIA Framework, the EPF stated that the basic savings amount will gradually increase by RM50,000 annually over the next three years.

While the three-tiered system is a well-structured approach, Liew points out that its feasibility hinges on multiple factors.

For instance, he noted that the basic savings tier is designed to provide minimum guaranteed income and is feasible if sufficiently financed through EPF savings or government subsidies.

“However, given the statistic that only 36% meet the basic savings level, this tier’s implementation will likely require substantial government intervention or alternative funding sources,” he said.

The EPF also announced that the withdrawal policy for savings above RM1mil will align with the enhanced savings benchmark (RM1.3mil), offering members flexibility in managing their surplus funds.

Like the basic savings level transition, the threshold for this withdrawal will be increased gradually by RM100,000 annually over three years.

The EPF also proposed changes to withdrawals. Under the Members’ Investment Scheme, members can transfer 30% of savings above the basic savings amount in Akaun Persaraan to approved funds managed by fund management institutions.

EPF revealed that as of October 2024, around 36% of active formal EPF members meet the existing basic savings level, which means most Malaysians risk retiring without sufficient funds.

Even so, experts are of the view that although the RIA Framework provides an immediate structural solution, it does not fully address the country’s growing retirement crisis and rising cost of living.

“The framework’s emphasis on flexible withdrawals and voluntary contributions can help, but only if members are financially capable of utilising these tiers effectively.

“Without systemic reforms such as mandatory higher contributions, improved financial literacy or government-backed supplementary pensions, the framework risks being a temporary fix rather than a sustainable solution,” Liew cautioned.

To this end, Asia School of Business deputy CEO and practice professor of Finance Prof Joseph Cherian said achieving the desired or target income level in retirement depends on having a sufficiently long savings runway and ensuring that income adequacy is maintained throughout.

This is something that requires careful planning, disciplined savings and strategic management of financial resources over time.

“Ideally, the retirement payouts under the RIA Framework should be indexed to inflation, the cost of living, or the standard of living – whichever is most relevant to ensure financial security in retirement.

“However, this alone may not be sufficient. The government should also consider incorporating a form of tail risk insurance within the framework, such as longevity risk coverage via the EPF,” he said.

For example, if an individual lives 20 years beyond their planned retirement period, they risk exhausting their savings.

To address this, the RIA Framework should be structured as a life annuity rather than a term annuity, ensuring lifelong income security.

Furthermore, Cherian said there is also a strong need for a needs-based social security scheme to support those who may lack adequate savings or income, thereby addressing the issue from a holistic perspective.

On the positive side, Bank Muamalat Malaysia Bhd chief economist Mohd Afzanizam Abdul Rashid said the new framework will nudge policymakers to focus on how the country would elevate the salary and wages among the workers through education and training.

Mohd Afzanizam opined the new roll out reflects EPF’s efforts to promote granularity in setting the right benchmark in having a comfortable level of funds when a person retires.

“It would also give the members a sense of urgency to build their retirement coffers by being more judicious whenever they plan to withdraw their money from EPF,” he said.

He said the government would need to ensure the country is competitive whereby the system will reward those who work hard and bring about greater productivity and profitability. He is of the view that the new yardstick would serve as a guidance in enabling the country to avert a retirement crisis.

On the other hand, Economist Geoffrey Williams said the income requirements in the RIA framework are higher and appear more in line with estimates from Bank Negara and the Statistics Department.

“The striking aspect from the announcement is that the required savings show how difficult it will be for millions of people to achieve the target.

“For example if a person has no savings now and is 40 years old, he will struggle to get to the required RM390,000. If you are 50 years old it will be almost impossible to get there. You would need to save almost RM3,250 per month whereas the median wage is RM3500 for that age. So you need to save almost everything you earn,” he said.

Originally published by The Star.

Kelestarian merupakan segmen baharu yang dilihat berupaya untuk memacu masa depan lebih mampan buat negara. Penerokaan dalam sektor teknologi dan kewangan hijau dilihat membuka ruang baharu dalam menjana bukan sahaja ekonomi, malah penyelesaian mampan ke arah membentuk masa depan Asia Tenggara. Bagi membincangkan peranan penting sektor tersebut, Asia School of Business (ASB) menghimpunkan pemimpin global, inovator, ahli akademik dan penggubal dasar dalam Sidang Kemuncak Kepimpinan Green@ Work 2024 di Kuala Lumpur baru-baru ini.

Menurut Ketua Pegawai Eksekutif, Presiden yang juga Dekan ASB, Profesor Sanjay Sarma, sidang kemuncak tersebut menyediakan platform dinamik untuk menangani isu-isu mendesak di seluruh sektor perniagaan, tenaga dan kewangan, sekali gus mencetuskan perbincangan mengenai kerjasama serta cara memacu masa depan lebih mampan bagi rantau ini. “Sepanjang sidang kemuncak berkenaan, perbincangan utama kita adalah berkisar tentang peranan transformatif teknologi hijau dalam memacu daya tahan ekonomi dan kelestarian alam sekitar.

Read the full article HERE.
Originally published by Kosmo.

Careers in technology are popular, but is the tech industry right for you?

Download the free BusinessBecause Careers In Technology Guide to find out all you need to know about this highly popular career path. 

Inside, you’ll find a breakdown of the different career paths available to business school graduates in tech, as well as the salaries and benefits on offer for those entering the sector—from Big Tech firms like Amazon and Google to innovative tech startups. 

You’ll find out what makes tech a top career path for ambitious professionals looking to work in one of the world’s most dynamic and rewarding industries, learn which skills you need to successfully navigate a career in tech, and uncover your prospects if aiming to begin your journey in the sector today. 

Plus, we also provide key insights from career experts and business school alumni on how to launch your career in the sector. You’ll find advice and insights from previous students now working with the likes of Microsoft, Google, Amazon, Adobe, and TikTok. 

Careers in technology: 5 top skills 

1. Adaptability 

Tech companies are often the first to adopt innovative new tech and therefore evolve at a faster pace than firms in many other industries—just look at how much money the sector is investing in generative AI. Working in technology requires you to be able to match that pace, ready to harness your skills in new areas as they emerge.

2. Stakeholder communication 

The typical tech firm comprises an array of functional teams, ranging from sales to marketing to engineering. Navigating the sector requires you to be able to operate and lead across these functions, while you must also be able to communicate with external stakeholders including corporate clients and everyday customers.

3. Data literacy 

Not all tech roles focus on working with technology itself, however industry insiders note the benefits of being data literate in allowing you to better serve customers and communicate across teams more effectively. As the industry continues to evolve, knowledge of fundamental data concepts can also prevent you falling behind.

4. Problem solving 

Fundamentally, technology is a major contributor to the world economy because it provides solutions for consumers and corporations. If you want to work in tech you need to adopt this mindset; prepared to make the link between technology and its use cases and solve the problems that arise as you strive to achieve new things.

5. Passion 

As the previous skills indicate, working in tech is about being part of an innovative space; where nothing stands still, and new things occur every day. Being passionate about using new technologies, discovering new products, and unearthing new solutions is important if you want success and longevity in the industry.

Originally published by BusinessBecause.

SUSTAINABLE living is not a new concept; it is now a vital topic in light of the profound changes affecting the little blue planet. For too long, humanity has “repaid” Earth’s generous gifts with harmful emissions, unleashing dangerous gases that have dire repercussions for the environment.

Climate change, exacerbated by toxic emissions from large manu- facturers and a careless public, has wreaked havoc on the planet. Rising sea levels, melting ice caps and relentless heat waves have become so commonplace that they often fail to provoke a second thought.

Read the full article HERE.
Originally published by New Straits Times.