The total investment into AI start-ups in India reached $3.24 billion last year, the fifth highest globally, Stanford University's AI Index Report said. EPA
The total investment into AI start-ups in India reached $3.24 billion last year, the fifth highest globally, Stanford University's AI Index Report said. EPA
The total investment into AI start-ups in India reached $3.24 billion last year, the fifth highest globally, Stanford University's AI Index Report said. EPA
The total investment into AI start-ups in India reached $3.24 billion last year, the fifth highest globally, Stanford University's AI Index Report said. EPA

How India is making efforts to localise AI technology to boost its digital economy


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This month, the chief executive of Ola – a ride-hailing app that competes with Uber in India – unveiled a new artificial intelligence (AI) company focused on building a complete Indian AI system from scratch.

It is something that is a relatively new territory for the country, as it strives to make AI India-centric.

Many of the existing AI models that are being used globally are largely based on the English language and rooted in Western culture, founder Bhavish Aggarwal, who is also the chief executive and co-founder of Ola, said during a live-stream of the launch of the new AI company, called Krutrim.

It has been fully developed for India specifically and can understand India’s 22 official languages and generate content in 10 of them.

Mr Aggarwal demonstrated some of the technology's capabilities by asking Krutrim, which means “artificial” in Sanskrit, to write a poem in Bengali about the monsoon rains.

Billions of pieces of data that are unique to India have been used to create Krutrim, which will be fully open for use next month, the company says.

“AI will define the future paradigms of economy and culture,” says Mr Aggarwal. “And to become a true leader of the world, India needs to become a global leader in AI.”

Krutrim has been designed to have uses ranging from education to business communications, it says.

The company's launch comes amid AI’s wide use globally and developments which have prompted growing calls and concerns around the regulation of AI.

This year, there have been breakthroughs globally – as well as controversies – with the rise of generative AI, which is capable of creating new content including text, videos, images and audio.

ChatGPT is the best known example of this. Developed by AI research company OpenAI, ChatGPT is a chatbot that engages in conversational dialogue and can generate text to meet users' specific requirements.

Such strides in technology present an opportunity to create efficiencies and boost economies, analysts say.

If India fully capitalises on generative AI technology, the country has the potential to add $359 billion to $438 billion in the financial year between April 2029 and March 2030, which would be a 5.9 per cent to 7.2 per cent increase on its baseline gross domestic product, a report by EY said.

It says that most of this impact will come from AI's use in sectors including IT, financial services and retail.

The Indian government has highlighted AI as a significant enabler of the country's digital economy.

Investment is flowing into the sector. The total investment into AI start-ups in India reached $3.24 billion last year, the fifth highest globally, Stanford University's AI Index Report said.

“AI is pervasive across Indian organisations, influencing both business functions and industry sectors, as they increasingly embrace the transformative power of AI to drive innovation and enhance overall operational efficiency,” says Sameer Dhanrajani, chief executive at AI consulting and advisory firm AIQRATE and at 3AI, a platform for AI and analytics leaders and professionals.

However, besides using AI, India, which has a thriving IT sector, also has an opportunity to be a part of its development and create systems that are designed for the country of more than 1.4 billion people, with unique and diverse cultural aspects and languages. While OpenAI and Google do have Indian language databases, they largely rely on English data.

That is where companies like Krutrim step in.

India has been embracing AI, and a wide range of start-ups in the country have emerged offering AI solutions as they try to tap into the trend.

Companies including Krutrim are hoping to take this a step further by developing their own foundational model, known as a large language model (LLM).

“A lot of companies – both start-up and large companies – are racing to do that,” says Jaspreet Bindra, founder of consultancy The Tech Whisperer.

Other companies in India that are engaged in the task of creating LLMs include Tech Mahindra, one of the world’s largest IT services companies.

Called Project Indus, Tech Mahindra's aim is for its model to understand 40 different Indian languages. Beyond India's 22 official languages, there are dozens of other major languages.

Start-up CoRover.ai this month announced the launch of its Indian generative AI platform, BharatGPT, for which it has tied up with Google Cloud as a technology partner.

Another start-up, Sarvam AI, based in Bengaluru is also building LLMs.

“There has been a lot of discussion around India-centric models,” says Mr Bindra. “The inspiration from that comes from countries that have already created their own models – China has over 100 such models.

“The UAE pleasantly surprised the world by creating Falcon and then Jais, which are world-class open-source AI and LLMs. Therefore, the question in India is that why can’t India – with all its IT prowess, with all the human resources that it has – create its own LLMs?”

  • An official at the launch of Mohamed bin Zayed University of Artificial intelligence in Masdar City, Abu Dhabi. AI is central to the UAE's economic growth agenda. Chris Whiteoak / The National
    An official at the launch of Mohamed bin Zayed University of Artificial intelligence in Masdar City, Abu Dhabi. AI is central to the UAE's economic growth agenda. Chris Whiteoak / The National
  • From left, Dr Sultan Al Jaber, Dr Ahmad Al Falasi and Omar Al Olama at the launch of the university. Chris Whiteoak / The National
    From left, Dr Sultan Al Jaber, Dr Ahmad Al Falasi and Omar Al Olama at the launch of the university. Chris Whiteoak / The National
  • The university has teamed up with IBM to open a research centre at its Masdar City campus. Chris Whiteoak / The National
    The university has teamed up with IBM to open a research centre at its Masdar City campus. Chris Whiteoak / The National
  • Self-driving taxis in Abu Dhabi. The UAE intends to become one of the leading AI nations by 2031. AFP
    Self-driving taxis in Abu Dhabi. The UAE intends to become one of the leading AI nations by 2031. AFP
  • MBZUAI has developed a curriculum and programmes that support academic research to contribute to tackling real-world challenges. AFP
    MBZUAI has developed a curriculum and programmes that support academic research to contribute to tackling real-world challenges. AFP
  • A robot outside the Dutch pavilion at the Expo 2020 Dubai. New districts are being built in the UAE, with artificial intelligence at their core. AFP
    A robot outside the Dutch pavilion at the Expo 2020 Dubai. New districts are being built in the UAE, with artificial intelligence at their core. AFP
  • Ajman's first self-driving bus goes on its first official drive with Sheikh Rashid bin Humaid, director of the Ajman Municipality and Planning Department, and Mr Al Olama onboard.
    Ajman's first self-driving bus goes on its first official drive with Sheikh Rashid bin Humaid, director of the Ajman Municipality and Planning Department, and Mr Al Olama onboard.
  • MBZUAI is the only graduate-level university in the world singularly focused on developing AI tools. Photo: MBZUAI
    MBZUAI is the only graduate-level university in the world singularly focused on developing AI tools. Photo: MBZUAI
  • Through the IBM Skills Academy programme, MBZUAI will have access to lectures, labs, industry use cases and design-thinking sessions. Photo: MBZUAI
    Through the IBM Skills Academy programme, MBZUAI will have access to lectures, labs, industry use cases and design-thinking sessions. Photo: MBZUAI
  • Dr Al Jaber, Minister of Industry and Advanced Technology and chairman of the MBZUAI board of trustees, has in the past emphasised the UAE's plans to use AI as a transformative tool to support its development. Chris Whiteoak / The National
    Dr Al Jaber, Minister of Industry and Advanced Technology and chairman of the MBZUAI board of trustees, has in the past emphasised the UAE's plans to use AI as a transformative tool to support its development. Chris Whiteoak / The National
  • MBZUAI offers an executive programme to equip UAE government and business leaders with practical skills to tap into the benefits of cutting-edge technology. AFP
    MBZUAI offers an executive programme to equip UAE government and business leaders with practical skills to tap into the benefits of cutting-edge technology. AFP

However, it is “not very easy to create an LLM of the scale, size and performance of a ChatGPT”, Mr Bindra says.

For one, it can require billions of dollars to create a ground-up, full stack LLM, he explains.

Other hurdles include sourcing the talent to develop the technology.

Krutrim, for example, was developed by computer scientists based in Bengaluru and San Francisco.

But one of the most difficult parts of the process, Mr Bindra says, is gathering the huge amounts of data required for developing such models.

“More important than language is context,” he says. “We need models with Indian context – Indian healthcare information, Indian data from radio and TV channels, Indian land records data, legal, education. All of these are going to be important to create the right kind of models for India,” he says.

Ultimately, if India can develop models that are accessible to the mass population, it will give a massive boost to the economy, he adds.

“India-centric AI models are crucial due to the country's diverse linguistic, cultural and socio-economic landscape,” says Deepika Loganathan, co-founder and chief executive at HaiVE. Tech, an AI provider.

“Tailoring AI models to India's unique context ensures they are more effective and inclusive.”

However, India's work in this area is still at a relatively nascent stage, she adds.

“While some strides have been made in this area, notably in language processing and localised applications, there's a need for more extensive work,” says Ms Loganathan.

This includes “developing data sets that reflect India’s diversity and addressing local challenges through AI”.

The main challenges include shortage of skilled AI professionals, infrastructural constraints and data privacy concerns, she says.

“Additionally, there's a need for more comprehensive regulatory frameworks to govern AI use.”

The rapid acceleration and growing capabilities of AI means that India, along with other countries, faces the conundrum of how to regulate the technology amid worries about ethical implications, concerns about security and the potential impact on jobs.

Addressing these challenges requires “a multifaceted approach”, Ms Loganathan says. This would involve enhancing AI education and training, investing in infrastructure, formulating clear AI policies and developing public-private partnerships.

Industry experts, meanwhile, remain optimistic about the progress that AI could experience in India in 2024.

“With increasing investment in AI research and development, growing government support, and the rising adoption of AI across industries, we are likely to see significant advancements,” says Ms Loganathan.

“I anticipate more collaboration between academia, industry and government to drive AI innovation, addressing both domestic and global challenges.”

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On Instagram: @WithHopeUAE

Although social media can be harmful to our mental health, paradoxically, one of the antidotes comes with the many social-media accounts devoted to normalising mental-health struggles. With Hope UAE is one of them.
The group, which has about 3,600 followers, was started three years ago by five Emirati women to address the stigma surrounding the subject. Via Instagram, the group recently began featuring personal accounts by Emiratis. The posts are written under the hashtag #mymindmatters, along with a black-and-white photo of the subject holding the group’s signature red balloon.
“Depression is ugly,” says one of the users, Amani. “It paints everything around me and everything in me.”
Saaed, meanwhile, faces the daunting task of caring for four family members with psychological disorders. “I’ve had no support and no resources here to help me,” he says. “It has been, and still is, a one-man battle against the demons of fractured minds.”
In addition to With Hope UAE’s frank social-media presence, the group holds talks and workshops in Dubai. “Change takes time,” Reem Al Ali, vice chairman and a founding member of With Hope UAE, told The National earlier this year. “It won’t happen overnight, and it will take persistent and passionate people to bring about this change.”

Company profile

Date started: Founded in May 2017 and operational since April 2018

Founders: co-founder and chief executive, Doaa Aref; Dr Rasha Rady, co-founder and chief operating officer.

Based: Cairo, Egypt

Sector: Health-tech

Size: 22 employees

Funding: Seed funding 

Investors: Flat6labs, 500 Falcons, three angel investors

2025 Fifa Club World Cup groups

Group A: Palmeiras, Porto, Al Ahly, Inter Miami.

Group B: Paris Saint-Germain, Atletico Madrid, Botafogo, Seattle.

Group C: Bayern Munich, Auckland City, Boca Juniors, Benfica.

Group D: Flamengo, ES Tunis, Chelsea, Leon.

Group E: River Plate, Urawa, Monterrey, Inter Milan.

Group F: Fluminense, Borussia Dortmund, Ulsan, Mamelodi Sundowns.

Group G: Manchester City, Wydad, Al Ain, Juventus.

Group H: Real Madrid, Al Hilal, Pachuca, Salzburg.

What vitamins do we know are beneficial for living in the UAE

Vitamin D: Highly relevant in the UAE due to limited sun exposure; supports bone health, immunity and mood.Vitamin B12: Important for nerve health and energy production, especially for vegetarians, vegans and individuals with absorption issues.Iron: Useful only when deficiency or anaemia is confirmed; helps reduce fatigue and support immunity.Omega-3 (EPA/DHA): Supports heart health and reduces inflammation, especially for those who consume little fish.

Yahya Al Ghassani's bio

Date of birth: April 18, 1998

Playing position: Winger

Clubs: 2015-2017 – Al Ahli Dubai; March-June 2018 – Paris FC; August – Al Wahda

HIJRA

Starring: Lamar Faden, Khairiah Nathmy, Nawaf Al-Dhufairy

Director: Shahad Ameen

Rating: 3/5

Understand What Black Is

The Last Poets

(Studio Rockers)

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 
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  • 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
VEZEETA PROFILE

Date started: 2012

Founder: Amir Barsoum

Based: Dubai, UAE

Sector: HealthTech / MedTech

Size: 300 employees

Funding: $22.6 million (as of September 2018)

Investors: Technology Development Fund, Silicon Badia, Beco Capital, Vostok New Ventures, Endeavour Catalyst, Crescent Enterprises’ CE-Ventures, Saudi Technology Ventures and IFC

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Centre Court - from 4pm (UAE time)
Angelique Kerber (1) v Irina Falconi 
Martin Klizan v Novak Djokovic (2)
Alexandr Dolgopolov v Roger Federer (3)

Court One - from 4pm
Milos Raonic (6) v Jan-Lennard Struff
Karolina Pliskova (3) v Evgeniya Rodina 
Dominic Thiem (8) v Vasek Pospisil

Court Two - from 2.30pm
Juan Martin Del Potro (29) v Thanasi Kokkinakis
Agnieszka Radwanska (9) v Jelena Jankovic
Jeremy Chardy v Tomas Berdych (11)
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How Apple's credit card works

The Apple Card looks different from a traditional credit card — there's no number on the front and the users' name is etched in metal. The card expands the company's digital Apple Pay services, marrying the physical card to a virtual one and integrating both with the iPhone. Its attributes include quick sign-up, elimination of most fees, strong security protections and cash back.

What does it cost?

Apple says there are no fees associated with the card. That means no late fee, no annual fee, no international fee and no over-the-limit fees. It also said it aims to have among the lowest interest rates in the industry. Users must have an iPhone to use the card, which comes at a cost. But they will earn cash back on their purchases — 3 per cent on Apple purchases, 2 per cent on those with the virtual card and 1 per cent with the physical card. Apple says it is the only card to provide those rewards in real time, so that cash earned can be used immediately.

What will the interest rate be?

The card doesn't come out until summer but Apple has said that as of March, the variable annual percentage rate on the card could be anywhere from 13.24 per cent to 24.24 per cent based on creditworthiness. That's in line with the rest of the market, according to analysts

What about security? 

The physical card has no numbers so purchases are made with the embedded chip and the digital version lives in your Apple Wallet on your phone, where it's protected by fingerprints or facial recognition. That means that even if someone steals your phone, they won't be able to use the card to buy things.

Is it easy to use?

Apple says users will be able to sign up for the card in the Wallet app on their iPhone and begin using it almost immediately. It also tracks spending on the phone in a more user-friendly format, eliminating some of the gibberish that fills a traditional credit card statement. Plus it includes some budgeting tools, such as tracking spending and providing estimates of how much interest could be charged on a purchase to help people make an informed decision. 

* Associated Press 

Our legal consultants

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Avatar: Fire and Ash

Director: James Cameron

Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana

Rating: 4.5/5

The five pillars of Islam

1. Fasting 

2. Prayer 

3. Hajj 

4. Shahada 

5. Zakat 

Bert van Marwijk factfile

Born: May 19 1952
Place of birth: Deventer, Netherlands
Playing position: Midfielder

Teams managed:
1998-2000 Fortuna Sittard
2000-2004 Feyenoord
2004-2006 Borussia Dortmund
2007-2008 Feyenoord
2008-2012 Netherlands
2013-2014 Hamburg
2015-2017 Saudi Arabia
2018 Australia

Major honours (manager):
2001/02 Uefa Cup, Feyenoord
2007/08 KNVB Cup, Feyenoord
World Cup runner-up, Netherlands

Updated: December 25, 2023, 6:00 AM