Two people enter the metaverse. They appear as avatars, wear virtual reality headsets and haptic suits that provide virtual feedback to the body. One person virtually assaults the other. What happens next?
It sounds utterly unreal but experts believe the metaverse's murkier side, and the potential for crime from assault to hacking to even avatar rape, has yet to be fully considered.
How to police the metaverse ― an online world where people may live their lives in the form of avatars ― has, then, opened a new frontier for governments, technological companies and police forces.
The issue was in sharp focus this week at Abu Dhabi's International Exhibition of National Security and Resilience conference where attendees heard hard questions being asked about trying to police the metaverse.
“If we start to see the metaverse doing what I think it will do, which is become ever more realistic and ever more huge, then you have to start to ask very difficult questions about what physical policing in virtual reality represents,” said Gareth Stubbs, a former UK police officer who spoke at the conference on Monday.
“If we introduce haptic suits with feedback from bodily touch … that opens up a huge amount of crime categories that focus on the body,” said Mr Stubbs, who lectures at Rabdan Academy in Abu Dhabi.
“It could be regulated through things such as consent. But it is open to abuse and open to hacking and open to impersonation.”
What is the metaverse?
The metaverse is envisaged as a new online world where someone with a 3D avatar ― a representation of yourself ― uses a virtual reality headset to go to concerts, work or just socialise. It was first mentioned in a 1992 science fiction novel, Snow Crash. The online community, Second Life, that was released in 2003 was loosely based on the concept. But interest has increased in the past few years driven by advancements in technology and huge investment by companies such as Facebook, which rebranded as Meta in 2021.
Some remain sceptical and it is thought the metaverse is still many years from fruition. However, interest is building and the UAE has announced it will establish a Ministry of Economy office there. Ajman Police has also conducted trials and Dubai's Metaverse Assembly last month attracted experts from across the world to explore its potential.
But questions are also being asked about policing and about who is responsible for regulating it. There have even been reports of avatars harassing others in Meta's existing virtual reality world, Horizons.
"Speaking from a US perspective, crimes in the metaverse relate mostly to inappropriate behaviour [harassment, use of explicit language, racism etc]," said Prof Marco Marabelli, an expert in the field who teaches at Bentley University in the US.
"These are important issues. The problem is that because the metaverse 'runs’ in real time, it is often difficult to keep digital traces of what happens on the platform or platforms. This makes it hard to prosecute perpetrators. This is a source of concern."
Quicker response needed from regulators
Experts at the Abu Dhabi conference suggested that governments and regulators around the globe were not moving quickly enough. Mr Stubbs said it was vital that the lawlessness of the early internet where criminals exploited the slow response of regulators was not repeated with the metaverse.
“People would say it was the heyday of the internet,” he said. “Yeah it was but a lot of bad stuff happened as well as the good stuff. Look at cybercrime. That has been stratospheric in growth. This was the untold story as the internet was developing.
“Law and regulation … will take years to set up and you’ll have that black spot … of unregulated space and that unregulated space gives space to bad actors. I’m not saying that’s all you will get [but] we should not be ignoring it.”
Prof Marabelli said one of the problems with emerging technologies was that legislators often started to address the issue only once the damage was done.
"One partial solution ... is to generate high level laws and regulations that protect basic rights of citizens with respect to technologies. Data privacy laws, laws that regulate how algorithms can be used with the general public with respect to transparency and accountability and so on," he said.
"To this end, Europe is way ahead of the US," he said, pointing to the adaption of GDPR and the proposed first-ever legal framework on the use of artificial intelligence.
"But recently the [President Joe] Biden administration is making important steps towards protecting citizens from inappropriate use of algorithmic-based systems," said Prof Marabelli, referring to the publication of the AI bill of rights, a set of guidelines that aims to encourage responsible use of artificial intelligence.
He also pointed to the fact that governments don't lead technology research like they used to ― private companies do ― and they often do not have the tools to assess technology because these companies frequently do not share research data on their innovations and potential dark side. He referred to the Wall Street Journal article that found Instagram led young teens with eating disorders to actually eat less.
"If it weren’t for a whistleblower we would have never known about this internal research. This is highly problematic," said Prof Marabelli.
How might the metaverse be policed?
What would policing in the metaverse look like? First, the platforms could use online tools and artificial intelligence to detect errant behaviour. Meta even introduced a tool to try to stop bad behaviour where people can prevent others from interacting with them, but this puts the onus on users.
Another is a system similar to speed cameras where someone who breaks the rules gets a fine in the real world, while a third is the emergence of volunteer police officers similar to moderators seen on social media groups today. But what is also possible, Mr Stubbs said, is a strange new world of police officer avatars dispensing online justice.
“We might see … a police officer avatar on active patrol in much the same way as I’d be on foot patrol in Blackpool town centre," said Mr Stubbs, who spent years on the beat on council estates in Blackpool. "So it could be a visual deterrent."
We could also see “avatar jail”, because the avatar is so tied to your real life, not being allowed to use it would be a real punishment. “I know that’s a reimaging of the custody system of sorts but it doesn’t cause any physical harm to the person,” Mr Stubbs said.
“It is not technically incarceration but the boundaries are blurring. It is weird. But we will probably see the creation of a new type of policing in the metaverse. It won’t look like the old one. The challenge will be to try to figure out what it looks like.”
How the metaverse will change the world
Despite the scepticism from some quarters, investment is pouring into the metaverse. Meta chief executive Mark Zuckerberg this year said he envisioned a "billion people" in the metaverse spending hundreds of dollars each on digital goods. But experts caution that the VR headsets are still some way from being comfortable and it will take years before its potential to reshape sectors from education to health are seen.
"It is currently at the centre of research of what we call 'future of work'," Prof Marabelli said.
"However, the technology ... is still very immature. Mark Zuckerberg said he thinks the metaverse will be ready for the general public in five years from now. I think that a decade could be a more accurate bet. But it will come. And will change many work practices and possibly our private lives. As the internet and social media did."
%3Cp%3EThe%20Department%20of%20Culture%20and%20Tourism%20-%20Abu%20Dhabi%E2%80%99s%20Arabic%20Language%20Centre%20will%20mark%20International%20Women%E2%80%99s%20Day%20at%20the%20Bologna%20Children's%20Book%20Fair%20with%20the%20Abu%20Dhabi%20Translation%20Conference.%20Prolific%20Emirati%20author%20Noora%20Al%20Shammari%2C%20who%20has%20written%20eight%20books%20that%20%20feature%20in%20the%20Ministry%20of%20Education's%20curriculum%2C%20will%20appear%20in%20a%20session%20on%20Wednesday%20to%20discuss%20the%20challenges%20women%20face%20in%20getting%20their%20works%20translated.%3C%2Fp%3E%0A
Profile of Hala Insurance
Date Started: September 2018
Founders: Walid and Karim Dib
Based: Abu Dhabi
Employees: Nine
Amount raised: $1.2 million
Funders: Oman Technology Fund, AB Accelerator, 500 Startups, private backers
Infiniti QX80 specs
Engine: twin-turbocharged 3.5-liter V6
Power: 450hp
Torque: 700Nm
Price: From Dh450,000, Autograph model from Dh510,000
Available: Now
It Was Just an Accident
Director: Jafar Panahi
Stars: Vahid Mobasseri, Mariam Afshari, Ebrahim Azizi, Hadis Pakbaten, Majid Panahi, Mohamad Ali Elyasmehr
Rating: 4/5
'My Son'
Director: Christian Carion
Starring: James McAvoy, Claire Foy, Tom Cullen, Gary Lewis
Rating: 2/5
Company%20profile
%3Cp%3E%3Cstrong%3EName%3A%3C%2Fstrong%3E%20JustClean%3Cbr%3E%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDubai%20with%20offices%20in%20other%20GCC%20countries%3Cbr%3E%3Cbr%3E%3Cstrong%3ELaunch%20year%3A%3C%2Fstrong%3E%202016%3Cbr%3E%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%3C%2Fstrong%3E%20160%2B%20with%2021%20nationalities%20in%20eight%20cities%3Cbr%3E%3Cstrong%3E%3Cbr%3ESector%3A%3C%2Fstrong%3E%20online%20laundry%20and%20cleaning%20services%3Cbr%3E%3Cbr%3E%3Cstrong%3EFunding%3A%20%3C%2Fstrong%3E%2430m%20from%20Kuwait-based%20Faith%20Capital%20Holding%20and%20Gulf%20Investment%20Corporation%3C%2Fp%3E%0A
The bio:
Favourite film:
Declan: It was The Commitments but now it’s Bohemian Rhapsody.
Heidi: The Long Kiss Goodnight.
Favourite holiday destination:
Declan: Las Vegas but I also love getting home to Ireland and seeing everyone back home.
Heidi: Australia but my dream destination would be to go to Cuba.
Favourite pastime:
Declan: I love brunching and socializing. Just basically having the craic.
Heidi: Paddleboarding and swimming.
Personal motto:
Declan: Take chances.
Heidi: Live, love, laugh and have no regrets.
Tenet
Director: Christopher Nolan
Stars: John David Washington, Robert Pattinson, Elizabeth Debicki, Dimple Kapadia, Michael Caine, Kenneth Branagh
Rating: 5/5
Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
LIVERPOOL%20TOP%20SCORERS
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COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
How to keep control of your emotions
If your investment decisions are being dictated by emotions such as fear, greed, hope, frustration and boredom, it is time for a rethink, Chris Beauchamp, chief market analyst at online trading platform IG, says.
Greed
Greedy investors trade beyond their means, open more positions than usual or hold on to positions too long to chase an even greater gain. “All too often, they incur a heavy loss and may even wipe out the profit already made.
Tip: Ignore the short-term hype, noise and froth and invest for the long-term plan, based on sound fundamentals.
Fear
The risk of making a loss can cloud decision-making. “This can cause you to close out a position too early, or miss out on a profit by being too afraid to open a trade,” he says.
Tip: Start with a plan, and stick to it. For added security, consider placing stops to reduce any losses and limits to lock in profits.
Hope
While all traders need hope to start trading, excessive optimism can backfire. Too many traders hold on to a losing trade because they believe that it will reverse its trend and become profitable.
Tip: Set realistic goals. Be happy with what you have earned, rather than frustrated by what you could have earned.
Frustration
Traders can get annoyed when the markets have behaved in unexpected ways and generates losses or fails to deliver anticipated gains.
Tip: Accept in advance that asset price movements are completely unpredictable and you will suffer losses at some point. These can be managed, say, by attaching stops and limits to your trades.
Boredom
Too many investors buy and sell because they want something to do. They are trading as entertainment, rather than in the hope of making money. As well as making bad decisions, the extra dealing charges eat into returns.
Tip: Open an online demo account and get your thrills without risking real money.
Company%20profile
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More on Quran memorisation:
West Indies v India - Third ODI
India 251-4 (50 overs)
Dhoni (78*), Rahane (72), Jadhav (40)
Cummins (2-56), Bishoo (1-38)
West Indies 158 (38.1 overs)
Mohammed (40), Powell (30), Hope (24)
Ashwin (3-28), Yadav (3-41), Pandya (2-32)
India won by 93 runs
RESULTS
6.30pm Al Maktoum Challenge Round-2 – Group 1 (PA) $49,000 (Dirt) 1,900m
Winner RB Frynchh Dude, Pat Cosgrave (jockey), Helal Al Alawi (trainer)
7.05pm Al Bastakiya Trial – Conditions (TB) $50,000 (D) 1,900m
Winner El Patriota, Vagner Leal, Antonio Cintra
7.40pm Zabeel Turf – Listed (TB) $88,000 (Turf) 2,000m
Winner Ya Hayati, Mickael Barzalona, Charlie Appleby
8.15pm Cape Verdi – Group 2 (TB) $163,000 (T) 1,600m
Winner Althiqa, James Doyle, Charlie Appleby
8.50pm UAE 1000 Guineas – Listed (TB) $125,000 (D) 1,600m
Winner Soft Whisper, Frankie Dettori, Saeed bin Suroor
9.25pm Handicap (TB) $68,000 (T) 1,600m
Winner Bedouin’s Story, Frankie Dettori, Saeed bin Suroor
CABINET%20OF%20CURIOSITIES%20EPISODE%201%3A%20LOT%2036
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Day 1 results:
Open Men (bonus points in brackets)
New Zealand 125 (1) beat UAE 111 (3)
India 111 (4) beat Singapore 75 (0)
South Africa 66 (2) beat Sri Lanka 57 (2)
Australia 126 (4) beat Malaysia -16 (0)
Open Women
New Zealand 64 (2) beat South Africa 57 (2)
England 69 (3) beat UAE 63 (1)
Australia 124 (4) beat UAE 23 (0)
New Zealand 74 (2) beat England 55 (2)
UAE currency: the story behind the money in your pockets
What can victims do?
Always use only regulated platforms
Stop all transactions and communication on suspicion
Save all evidence (screenshots, chat logs, transaction IDs)
Report to local authorities
Warn others to prevent further harm
Courtesy: Crystal Intelligence
How to wear a kandura
Dos
- Wear the right fabric for the right season and occasion
- Always ask for the dress code if you don’t know
- Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work
- Wear 100 per cent cotton under the kandura as most fabrics are polyester
Don’ts
- Wear hamdania for work, always wear a ghutra and agal
- Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
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