Arto Bendiken, co-founder of Haltia.AI, says a key focus for the company is privacy. Pawan Singh / The National
Arto Bendiken, co-founder of Haltia.AI, says a key focus for the company is privacy. Pawan Singh / The National
Arto Bendiken, co-founder of Haltia.AI, says a key focus for the company is privacy. Pawan Singh / The National
Arto Bendiken, co-founder of Haltia.AI, says a key focus for the company is privacy. Pawan Singh / The National

Dubai-based entrepreneur creating personal AI assistant to be a ‘lifelong companion'


Aarti Nagraj
  • English
  • Arabic

Chatting with Arto Bendiken about his new start-up feels a bit like replaying Back to the Future, a film ahead of its time, which he also refers to at the end of our talk.

While he is not creating a flying car, he is hoping to develop technology that will bring the future to us.

The Dubai-based entrepreneur says he is developing a personal artificial intelligence tool that is “something like an angel on your shoulder, always there, always present” and aims to help people achieve their “life goals”, or in essence “win at life”.

In other words, Haltia.ai, a smartphone app, is a personal AI assistant that will allow people to expand their social graph, read and respond to emails, conduct research, draft speeches and content, manage calendars, and also offer critical feedback on documents, all through natural voice interactions.

Halford and Tiana, the default avatars, will be the “lifelong companions” that will keep evolving and unlocking new features as the technology develops, according to the company.

A key part of the platform is privacy, says Mr Bendiken, who serves as the company’s co-founder and chief technology officer.

“The AI is on your phone, on your laptop, it does not live in the cloud. This is a crucial difference to the things that others are building,” he says.

“It is only for you and that means that you can trust it. You can actually have personal conversations with it about even intimate matters, because you know this information will never leave your device. We upload nothing to the cloud. It's all on your device, encrypted. And your devices can talk to each other. So, your laptop synchronises with your phone directly,” he says.

The app captures notes from users' voice conversations, and they can also import information, such as a LinkedIn profile, contacts, address book or other sources of data.

“Importantly, using just voice, you can amend the knowledge. Of course, the idea is that in the future – but this is a few years away – it would be potentially passively listening all the time as you go through the day and augmenting its knowledge from the titbits that it hears. But nobody has that capability, that's … a year away at the minimum,” he says.

“Haltia in Finnish means something like a master – it makes sense [in] that you would control your AI.”

With AI currently in the global spotlight, every aspect of the technology is witnessing a boom.

Globally, AI investments are projected to hit $200 billion by 2025, Goldman Sachs Economic Research said in a report in August.

Specifically, the size of the intelligent virtual assistant market is expected to reach $60.83 billion by 2029, from an estimated $14.77 billion in 2024, growing at a compound annual rate of about 33 per cent, according to a report by Mordor Intelligence.

Deep neural networks, machine learning and other advances in AI are making more virtual assistants possible, the report said.

While the current versions in use are chatbots and smart speakers such as Apple’s Siri and Microsoft’s Cortana, the market is set for further sophistication.

In October, Microsoft unveiled a new digital assistant powered by generative AI at the Gitex exhibition in Dubai, whose capabilities – and looks – can be customised to specific user requirements.

The AI bot, called Mai, has a ChatGPT-like interface and can assist users in navigating through tasks or gaining access to services.

It can be trained in any verticals, including services such as health care and education, Naim Yazbeck, general manager of Microsoft UAE, told The National at the time.

Haltia claims it will support users “above and beyond” standard AI capabilities, offering utility that ranges from basic tasks to complicated, predictive functionalities.

Mr Bendiken, a self-proclaimed “cypherpunk”, has been working on the basics of what is now Haltia since 2008.

Having started his entrepreneurial journey very early on in his native Finland – he first began working at the age of 11, got his first programming job at 15 and registered his first company when he was 18 – Mr Bendiken says he initially followed his father’s footsteps.

Finding that Finland did not offer the right ecosystem for “people who are driven and ambitious”, he left the country and moved to Spain and then to Berlin where his first “proper” start-up was based.

The start-up, which built the kind of database currently used in AI, “was a little bit ahead of its time” and although it got orders from the likes of US-based NXP Semiconductors and the US Navy, demand was limited to larger organisations. Mr Bendiken sold his stake in the company in 2016.

He moved to Ukraine and after Covid-19 and the war, relocated to Dubai, where Haltia was set up in October. It is also incorporated in the US.

“We estimate that we are about six months ahead of anybody [in terms of the Haltia’s offering],” he says.

“It will be totally normal a year from now to have some kind of AI locally on your phone. And so, we're a little bit ahead of that curve.”

Arto Bendiken says he is confident that the UAE is the market for future technology such as AI. Pawan Singh / The National
Arto Bendiken says he is confident that the UAE is the market for future technology such as AI. Pawan Singh / The National

The app is currently only compatible with some of the latest iOS smartphones, including the Apple iPhone 15, iPhone 14, and the Pro and Max models of the iPhone 13 and iPhone 12. It also available on the latest iPad Pro models and the iPad Air 5.

Haltia is also aiming to expand to Android compatibility in the future.

It will operate on a subscription-based model, with in-app purchases, and hopes to reach both individual and corporate clients.

While the basic download is free, the paid tiers range from $9 a month to $19.99 a month for individual packages. There are also family packages and those for corporate teams.

Premium members will be paired with dedicated relationship managers, with the goal to reach a million such clients, according to the company.

Offering the free option is “very critical because otherwise we lose mindshare”, Mr Bendiken says.

The app is currently in the closed beta stage and only open to staff, families of staff, insiders, advisers and investors. The immediate plan is to expand to a wider beta stage, with the waiting list for that open.

The official launch is hoped for the second quarter of this year, he says, once all the elements are in place.

“We will definitely not launch too soon, despite the massive time pressure,” he says.

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To support the launch, the company is planning a trip to Silicon Valley for fundraising.

So far, Mr Bendiken, his co-founder and chief executive Talal Thabet have invested $1.2 million in Haltia, and it has also raised more than $500,000 from family and friends.

The company is currently planning a pre-seed round of about $2 million, followed by a $10 million seed round.

“So far, we limited ourselves to fundraising in the UAE. And I have to say it's not really as easy as Silicon Valley,” he says.

While there’s funding available for scaling up established start-ups, the ecosystem is not yet mature for the early stage, according to him.

However, the UAE is the market for the future and is “the frontier”.

“I'm drawn to where there is ambition and there’s drive and there’s vision, and you know, we live looking towards the stars instead of the gutter. And this is what the UAE is all about, to me at least,” he says.

“A great standard of living and just surrounded by ambition and energy and people who want to better their lot in life. It doesn't matter about what their parents and their grandparents accomplished, where they are in their journey of life. They can come here and they can improve it.”

Q&A with Arto Bendiken, chief technology officer and co-founder of Haltia.ai

Who is your role model?

Many. Paul Graham, Elon Musk, Jeff Bezos, there is any number of these.

I am a big reader. So, mostly, if I am naming somebody, it is because I have read what they have written. And so, in the same vein, there is Peter Thiel – I have followed him for a long time and read everything that he said about these matters. And also, Marc Andreessen.

If you could start all over again, anything you would do differently?

I guess I would not. It is going good.

What new skills have you learnt setting up Haltia?

I would say definitely on the fundraising front, I am learning a lot. Despite having raised [money] before, really there is always more to learn. And this looks to be an ongoing learning process still.

What is your advice to other entrepreneurs?

The first one, learn the fundamentals of whatever you are doing.

The other one is that do not give up too easily. Many people give up quite easily.

And the third one would be, do not be afraid to fail … I have failed a few times. Failure is just learning and you move on.

What is your goal?

I want to basically help bring about the world that I grew up reading about. So, I am a consumer of science fiction, and that is why we are naming our meetings [AI gatherings in Dubai] the Asimov meet-up, after Isaac Asimov, who invented the robotics, invented AI alignment, and invented prompt engineering 100 years ago.

I want to actually have the world a little closer to what I read about growing up instead of this kind of rut we have been stuck in for some decades. You know, we were promised flying cars, Back to the Future and all of that. And it is actually only the UAE making that happen and serious about it. So, that is good.

Notable Yas events in 2017/18

October 13-14 KartZone (complimentary trials)

December 14-16 The Gulf 12 Hours Endurance race

March 5 Yas Marina Circuit Karting Enduro event

March 8-9 UAE Rotax Max Challenge

Abu Dhabi GP schedule

Friday: First practice - 1pm; Second practice - 5pm

Saturday: Final practice - 2pm; Qualifying - 5pm

Sunday: Etihad Airways Abu Dhabi Grand Prix (55 laps) - 5.10pm

Top 10 in the F1 drivers' standings

1. Sebastian Vettel, Ferrari 202 points

2. Lewis Hamilton, Mercedes-GP 188

3. Valtteri Bottas, Mercedes-GP 169

4. Daniel Ricciardo, Red Bull Racing 117

5. Kimi Raikkonen, Ferrari 116

6. Max Verstappen, Red Bull Racing 67

7. Sergio Perez, Force India 56

8. Esteban Ocon, Force India 45

9. Carlos Sainz Jr, Toro Rosso 35

10. Nico Hulkenberg, Renault 26

Persuasion
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Our Time Has Come
Alyssa Ayres, Oxford University Press

Types of bank fraud

1) Phishing

Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.

2) Smishing

The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.

3) Vishing

The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.

4) SIM swap

Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.

5) Identity theft

Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.

6) Prize scams

Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.

Tributes from the UAE's personal finance community

• Sebastien Aguilar, who heads SimplyFI.org, a non-profit community where people learn to invest Bogleheads’ style

“It is thanks to Jack Bogle’s work that this community exists and thanks to his work that many investors now get the full benefits of long term, buy and hold stock market investing.

Compared to the industry, investing using the common sense approach of a Boglehead saves a lot in costs and guarantees higher returns than the average actively managed fund over the long term. 

From a personal perspective, learning how to invest using Bogle’s approach was a turning point in my life. I quickly realised there was no point chasing returns and paying expensive advisers or platforms. Once money is taken care off, you can work on what truly matters, such as family, relationships or other projects. I owe Jack Bogle for that.”

• Sam Instone, director of financial advisory firm AES International

"Thought to have saved investors over a trillion dollars, Jack Bogle’s ideas truly changed the way the world invests. Shaped by his own personal experiences, his philosophy and basic rules for investors challenged the status quo of a self-interested global industry and eventually prevailed.  Loathed by many big companies and commission-driven salespeople, he has transformed the way well-informed investors and professional advisers make decisions."

• Demos Kyprianou, a board member of SimplyFI.org

"Jack Bogle for me was a rebel, a revolutionary who changed the industry and gave the little guy like me, a chance. He was also a mentor who inspired me to take the leap and take control of my own finances."

• Steve Cronin, founder of DeadSimpleSaving.com

"Obsessed with reducing fees, Jack Bogle structured Vanguard to be owned by its clients – that way the priority would be fee minimisation for clients rather than profit maximisation for the company.

His real gift to us has been the ability to invest in the stock market (buy and hold for the long term) rather than be forced to speculate (try to make profits in the shorter term) or even worse have others speculate on our behalf.

Bogle has given countless investors the ability to get on with their life while growing their wealth in the background as fast as possible. The Financial Independence movement would barely exist without this."

• Zach Holz, who blogs about financial independence at The Happiest Teacher

"Jack Bogle was one of the greatest forces for wealth democratisation the world has ever seen.  He allowed people a way to be free from the parasitical "financial advisers" whose only real concern are the fat fees they get from selling you over-complicated "products" that have caused millions of people all around the world real harm.”

• Tuan Phan, a board member of SimplyFI.org

"In an industry that’s synonymous with greed, Jack Bogle was a lone wolf, swimming against the tide. When others were incentivised to enrich themselves, he stood by the ‘fiduciary’ standard – something that is badly needed in the financial industry of the UAE."

Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

From Zero

Artist: Linkin Park

Label: Warner Records

Number of tracks: 11

Rating: 4/5

Three tips from La Perle's performers

1 The kind of water athletes drink is important. Gwilym Hooson, a 28-year-old British performer who is currently recovering from knee surgery, found that out when the company was still in Studio City, training for 12 hours a day. “The physio team was like: ‘Why is everyone getting cramps?’ And then they realised we had to add salt and sugar to the water,” he says.

2 A little chocolate is a good thing. “It’s emergency energy,” says Craig Paul Smith, La Perle’s head coach and former Cirque du Soleil performer, gesturing to an almost-empty open box of mini chocolate bars on his desk backstage.

3 Take chances, says Young, who has worked all over the world, including most recently at Dragone’s show in China. “Every time we go out of our comfort zone, we learn a lot about ourselves,” she says.

Desert Warrior

Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley

Director: Rupert Wyatt

Rating: 3/5

Mercedes-AMG GT 63 S E Performance: the specs

Engine: 4.0-litre twin-turbo V8 plus rear-mounted electric motor

Power: 843hp at N/A rpm

Torque: 1470Nm N/A rpm

Transmission: 9-speed auto

Fuel consumption: 8.6L/100km

On sale: October to December

Price: From Dh875,000 (estimate)

Winners

Ballon d’Or (Men’s)
Ousmane Dembélé (Paris Saint-Germain / France)

Ballon d’Or Féminin (Women’s)
Aitana Bonmatí (Barcelona / Spain)

Kopa Trophy (Best player under 21 – Men’s)
Lamine Yamal (Barcelona / Spain)

Best Young Women’s Player
Vicky López (Barcelona / Spain)

Yashin Trophy (Best Goalkeeper – Men’s)
Gianluigi Donnarumma (Paris Saint-Germain and Manchester City / Italy)

Best Women’s Goalkeeper
Hannah Hampton (England / Aston Villa and Chelsea)

Men’s Coach of the Year
Luis Enrique (Paris Saint-Germain)

Women’s Coach of the Year
Sarina Wiegman (England)

Gran Gala del Calcio 2019 winners

Best Player: Cristiano Ronaldo (Juventus)
Best Coach: Gian Piero Gasperini (Atalanta)
Best Referee: Gianluca Rocchi
Best Goal: Fabio Quagliarella (Sampdoria vs Napoli)
Best Team: Atalanta​​​​​​​
Best XI: Samir Handanovic (Inter); Aleksandar Kolarov (Roma), Giorgio Chiellini (Juventus), Kalidou Koulibaly (Napoli), Joao Cancelo (Juventus*); Miralem Pjanic (Juventus), Josip Ilicic (Atalanta), Nicolo Barella (Cagliari*); Fabio Quagliarella (Sampdoria), Cristiano Ronaldo (Juventus), Duvan Zapata (Atalanta)
Serie B Best Young Player: Sandro Tonali (Brescia)
Best Women’s Goal: Thaisa (Milan vs Juventus)
Best Women’s Player: Manuela Giugliano (Milan)
Best Women’s XI: Laura Giuliani (Milan); Alia Guagni (Fiorentina), Sara Gama (Juventus), Cecilia Salvai (Juventus), Elisa Bartoli (Roma); Aurora Galli (Juventus), Manuela Giugliano (Roma), Valentina Cernoia (Juventus); Valentina Giacinti (Milan), Ilaria Mauro (Fiorentina), Barbara Bonansea (Juventus)

The Melbourne Mercer Global Pension Index

The Melbourne Mercer Global Pension Index

Mazen Abukhater, principal and actuary at global consultancy Mercer, Middle East, says the company’s Melbourne Mercer Global Pension Index - which benchmarks 34 pension schemes across the globe to assess their adequacy, sustainability and integrity - included Saudi Arabia for the first time this year to offer a glimpse into the region.

The index highlighted fundamental issues for all 34 countries, such as a rapid ageing population and a low growth / low interest environment putting pressure on expected returns. It also highlighted the increasing popularity around the world of defined contribution schemes.

“Average life expectancy has been increasing by about three years every 10 years. Someone born in 1947 is expected to live until 85 whereas someone born in 2007 is expected to live to 103,” Mr Abukhater told the Mena Pensions Conference.

“Are our systems equipped to handle these kind of life expectancies in the future? If so many people retire at 60, they are going to be in retirement for 43 years – so we need to adapt our retirement age to our changing life expectancy.”

Saudi Arabia came in the middle of Mercer’s ranking with a score of 58.9. The report said the country's index could be raised by improving the minimum level of support for the poorest aged individuals and increasing the labour force participation rate at older ages as life expectancies rise.

Mr Abukhater said the challenges of an ageing population, increased life expectancy and some individuals relying solely on their government for financial support in their retirement years will put the system under strain.

“To relieve that pressure, governments need to consider whether it is time to switch to a defined contribution scheme so that individuals can supplement their own future with the help of government support,” he said.

UAE currency: the story behind the money in your pockets
In-demand jobs and monthly salaries
  • Technology expert in robotics and automation: Dh20,000 to Dh40,000 
  • Energy engineer: Dh25,000 to Dh30,000 
  • Production engineer: Dh30,000 to Dh40,000 
  • Data-driven supply chain management professional: Dh30,000 to Dh50,000 
  • HR leader: Dh40,000 to Dh60,000 
  • Engineering leader: Dh30,000 to Dh55,000 
  • Project manager: Dh55,000 to Dh65,000 
  • Senior reservoir engineer: Dh40,000 to Dh55,000 
  • Senior drilling engineer: Dh38,000 to Dh46,000 
  • Senior process engineer: Dh28,000 to Dh38,000 
  • Senior maintenance engineer: Dh22,000 to Dh34,000 
  • Field engineer: Dh6,500 to Dh7,500
  • Field supervisor: Dh9,000 to Dh12,000
  • Field operator: Dh5,000 to Dh7,000
UK’s AI plan
  • AI ambassadors such as MIT economist Simon Johnson, Monzo cofounder Tom Blomfield and Google DeepMind’s Raia Hadsell
  • £10bn AI growth zone in South Wales to create 5,000 jobs
  • £100m of government support for startups building AI hardware products
  • £250m to train new AI models
How to apply for a drone permit
  • Individuals must register on UAE Drone app or website using their UAE Pass
  • Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
  • Upload the training certificate from a centre accredited by the GCAA
  • Submit their request
What are the regulations?
  • Fly it within visual line of sight
  • Never over populated areas
  • Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
  • Users must avoid flying over restricted areas listed on the UAE Drone app
  • Only fly the drone during the day, and never at night
  • Should have a live feed of the drone flight
  • Drones must weigh 5 kg or less
Greatest Royal Rumble results

John Cena pinned Triple H in a singles match

Cedric Alexander retained the WWE Cruiserweight title against Kalisto

Matt Hardy and Bray Wyatt win the Raw Tag Team titles against Cesaro and Sheamus

Jeff Hardy retained the United States title against Jinder Mahal

Bludgeon Brothers retain the SmackDown Tag Team titles against the Usos

Seth Rollins retains the Intercontinental title against The Miz, Finn Balor and Samoa Joe

AJ Styles remains WWE World Heavyweight champion after he and Shinsuke Nakamura are both counted out

The Undertaker beats Rusev in a casket match

Brock Lesnar retains the WWE Universal title against Roman Reigns in a steel cage match

Braun Strowman won the 50-man Royal Rumble by eliminating Big Cass last

Labour dispute

The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.


- Abdullah Ishnaneh, Partner, BSA Law 

Profile of Tarabut Gateway

Founder: Abdulla Almoayed

Based: UAE

Founded: 2017

Number of employees: 35

Sector: FinTech

Raised: $13 million

Backers: Berlin-based venture capital company Target Global, Kingsway, CE Ventures, Entrée Capital, Zamil Investment Group, Global Ventures, Almoayed Technologies and Mad’a Investment.

Tips to stay safe during hot weather
  • Stay hydrated: Drink plenty of fluids, especially water. Avoid alcohol and caffeine, which can increase dehydration.
  • Seek cool environments: Use air conditioning, fans, or visit community spaces with climate control.
  • Limit outdoor activities: Avoid strenuous activity during peak heat. If outside, seek shade and wear a wide-brimmed hat.
  • Dress appropriately: Wear lightweight, loose and light-coloured clothing to facilitate heat loss.
  • Check on vulnerable people: Regularly check in on elderly neighbours, young children and those with health conditions.
  • Home adaptations: Use blinds or curtains to block sunlight, avoid using ovens or stoves, and ventilate living spaces during cooler hours.
  • Recognise heat illness: Learn the signs of heat exhaustion and heat stroke (dizziness, confusion, rapid pulse, nausea), and seek medical attention if symptoms occur.
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Updated: April 04, 2024, 10:11 AM