Technology entrepreneur Nick Hungerford with his wife Nancy and their daughter Elizabeth. Nutmeg / PA
Technology entrepreneur Nick Hungerford with his wife Nancy and their daughter Elizabeth. Nutmeg / PA
Technology entrepreneur Nick Hungerford with his wife Nancy and their daughter Elizabeth. Nutmeg / PA
Technology entrepreneur Nick Hungerford with his wife Nancy and their daughter Elizabeth. Nutmeg / PA

The death of Nick Hungerford - and the ‘ghostbot’ he made to guide his daughter’s future


Nicky Harley
  • English
  • Arabic

When fintech entrepreneur Nick Hungerford was given a devastating cancer diagnosis, his prime thought was to ensure that his two-year-old daughter Elizabeth would remember him.

The 43-year-old, who died this week from a rare form of bone cancer, used his time to ensure his legacy would live on for his daughter through his creation of an avatar that will support her in the years to come.

The co-founder of digital wealth management company Nutmeg spent the months following his diagnosis writing letters and messages and has used artificial intelligence to create videos of himself answering personal questions for her.

Just days before his death he spoke about the steps he had taken to create memories of himself for his child.

“It’s not the pain or fear of death that worries me most, it’s leaving my wife and my toddler daughter,” he wrote in The Telegraph.

“Elizabeth is just two-and-a-half, and she will have to grow up without me. The thought of missing her first day of school, of not giving a speech at her wedding, buries me with emotion.

“I wanted to see her grow, witness her first tummy rolls, meet her first boyfriend. Selfishly, I also wanted to shape who she became.

“Elizabeth is too young to have active, internal memories of me, but I have done everything I can to show how much I love her. I’ve written letters and messages to be given to her in the future, and used an AI website to video myself answering hundreds of personal questions, so that one day she will be able to log on and 'talk' to me to find out exactly who I was.”

Fifty years from now, post-mortem avatars could be as common as an Xbox

Mr Hungerford is not the first to use AI in this way, which is a growing trend among people wanting to create lasting memories.

Simon McKeown, a reader in animation and post production at Teesside University, launched Preserved Memories, which combines state-of-the-art gaming technology, voice synthesis and big data streams – such as social media, government databases and health records – to create a synthetic digital life of a person.

He believes that in 50 years' time, this kind of technology will be seen in a similar way to how the Xbox or Playstation is seen today.

A therapist helps a woman to create an avatar in a virtual therapy psychology treatment centre. EPA
A therapist helps a woman to create an avatar in a virtual therapy psychology treatment centre. EPA

“Using emotion-sensitive human-computer interaction, our artificially intelligent participants continue to acquire ongoing knowledge long after their death – they evolve digitally and do not die,” he said.

“This life form will be up to date and informed of your daily activities through GPS, Wi-Fi, health and fitness tracking, consumer records and much more. They will know if you have passed your exam, driving test, flown on holiday, bought new shoes, ditched your boyfriend.

“They will know what you tell it on social media and also by the constant tracking that occurs every day.

“Our prime data feeds mean digital participants instantly know what you have done and can sense your physical mood and excitement.”

Experts foresee families using VR to jointly visit a lost loved one

Earlier this year, Seoul-based DeepBrain AI demonstrated its "Re;memory" service at the Consumer Electronics Show in Las Vegas.

For up to £20,000 ($26,000) it can recreate family members, from their face to their voice and physique, so people can continue to talk to a version of that person.

Artur Sychov, chief executive and founder of Somnium Space, a version of the metaverse, created Live Forever after the death of his father.

He believes that once enough data, including voice and video recordings, is available, people can upload them to a computer and envisages families in future being able to take a tour in VR together to visit a relative.

A visitor with her avatar at the Loreal group booth during the Vivatech technology start-ups and innovation fair in Paris in June. AFP
A visitor with her avatar at the Loreal group booth during the Vivatech technology start-ups and innovation fair in Paris in June. AFP

Mark Lee, a professor of artificial intelligence in the School of Computer Science at Birmingham University, told The National he thinks that so-called ghostbots will become more common.

“There is a new generation of networks and by using large amounts of languages, images and videos and we are able to create really convincing artificial intelligence, we are going to be seeing more and more of this,” he said.

“Using this to remember a loved one is perfectly reasonable as long as it is transparent and honest. We need to teach the general public about what AI is and what it is capable of and the dangers,” Prof Lee said.

In February 2021, genealogy site MyHeritage released a new service called DeepNostalgia, which allows users to animate still photographs of late relatives so they smile and blink.

Since the launch 78 million photo animations have been created.

“Ghostbots are digital reincarnations of deceased persons, sometimes known as post-mortem avatars,” Edina Harbinja, a reader in law at Aston Law School, Aston University, who specialises in emerging technologies, told The National.

“This emerging genre of services or products attempts to replicate the appearance, voice and/or personality of a deceased person after their death, primarily using machine-learning techniques or AI, either rule-based systems or deep learning, but more recently also generative AI.

“Last year, a metaverse world, Somnium Space, developed a Live Forever option which allows a virtual version of a person [avatar] to become 'eternal' and communicate with loved ones after death. The founder says the amount of data they potentially could collect in the metaverse is 100 to 300 times more than the data collected through a phone. This includes data about how user's fingers, mouth, eyes, and entire body move.

“In terms of popularity, it is difficult to say, since a lot of these services have been developed commercially, as paid-for services, and some of them as a result of personal distress or wishes. The uptake anecdotally remains low, but it is not difficult to imagine that this may change quite soon with the development and availability of AI more generally.”

Rise of AI raises ethical concerns

British psychologist and computer scientist Yvonne Rogers, who is director of the Interaction Centre at University College London, told The National it is considered socially acceptable to create ghostbots now but it does raise ethical concerns.

“It is feasible to construct videos using AI and previous videos/texts from someone relatively easily now,” Prof Rogers said.

“A few years ago a young AI researcher called Eugenia Kuyda, who was also the founder of the popular avatar app Replika, lost a close friend in a car accident. He was only in his 20s. She did not want to lose his memory, so she gathered all of the texts he had sent over the course of his life and made a chatbot from them.

“The chatbot was programmed to respond automatically to text messages so that Eugenia could talk to her friend as if he were still alive. It responded to her questions using his own words.

“At the time a lot of people thought this was creepy, especially since he was not aware that his texts were being used in this way and he had not given consent. However, she argued it was comforting to her and helped her with her grief.

“Nowadays it might be considered more socially acceptable by more people to do this, especially if someone gives their permission to having their texts, videos and emails mashed up in this way in the form of a “pre-death digital agreement”.

“I think for Nick Hungerford, it was perfectly acceptable to create videos for a range of topics being answered by him as an avatar.

“The unanswered question is would it be upsetting for his daughters every time they watch it to know he is dead but appears alive? Since they would not be watching the generated videos of him to deal with their grief but would be watching the videos of him as if he was still alive.”

More regulation is needed to protect families

Dr Harbinja believes there needs to be more regulation.

“Emotional distress may result from these services if relatives of the deceased become psychologically dependent on a ghostbot and unable to move on from their grief. Also, ghostbots, especially where the service is on the face of it free to the user, might well be used to market goods or services to surviving relatives or heirs,” she said.

“The vulnerability invoked by grief and memory might make undue influence or deception relatively likely. Subliminal messaging or product placement might also feature in the business models.

“There is also potential harm to the deceased's antemortem persona, ie, distortion of their image, impact on their autonomy if they didn’t have control over the creation of ghostbots and the question of post-mortem privacy, ie, the ownership, collection and use of the deceased’s data.

“In terms of law, the regulation is lacking at the moment. In the EU, the upcoming AI Act will regulate services such as these. However, as these would not be classed as high-risk systems under the emerging law, transparency will be the most significant obligation of the ghostbot providers. This includes, for example, making sure the living person is warned that they are communicating with a bot/machine.”

Last June, Amazon announced it was working on a future version of Alexa that will be able to mimic the voice of dead relatives.

It launched the new technology at its re:MARS conference in Las Vegas where viewers saw a child ask a late relative to read a bedtime story.

Before his death Mr Hungerford launched the charity Elizabeth’s Smile in his daughter’s name to provide support to other children who have lost a parent to terminal illness.

His hope is other children will have the same opportunity to shape their knowledge of their loved one.

Jeff Kimball, president of Elizabeth’s Smile, told The National the charity was not presently planning on developing AI for the youngsters it is helping.

“Our charity at present doesn’t have any plans to engage in this as there are companies doing this work now, so we are directing our resources on providing support where there currently isn’t any,” he said.

For Mr Hungerford his wish is for youngsters to continue remembering their parents.

“Children need honesty,” he wrote.

“People don’t wish to speak ill of the dead, so many bereaved children grow up thinking their late parent was a superhero. Which is never true, and is also unhelpful. I hope Elizabeth will hear all about the silly things that I did, and they will make her laugh and smile.

“She is always smiling – which cheers everyone up – and I am determined that smile won’t stop after I have gone.”

If you go

Flights

Emirates flies from Dubai to Phnom Penh with a stop in Yangon from Dh3,075, and Etihad flies from Abu Dhabi to Phnom Penh with its partner Bangkok Airlines from Dh2,763. These trips take about nine hours each and both include taxes. From there, a road transfer takes at least four hours; airlines including KC Airlines (www.kcairlines.com) offer quick connecting flights from Phnom Penh to Sihanoukville from about $100 (Dh367) return including taxes. Air Asia, Malindo Air and Malaysian Airlines fly direct from Kuala Lumpur to Sihanoukville from $54 each way. Next year, direct flights are due to launch between Bangkok and Sihanoukville, which will cut the journey time by a third.

The stay

Rooms at Alila Villas Koh Russey (www.alilahotels.com/ kohrussey) cost from $385 per night including taxes.

The specs: 2018 Chevrolet Equinox

Price, base / as tested: Dh76,900 / Dh110,900

Engine: 2.0L, turbocharged in-line four-cylinder

Gearbox: Nine-speed automatic

Power: 252hp @ 5,500rpm

Torque: Torque: 352Nm @ 2,500rpm

Fuel economy, combined: 8.5L / 100km

MATCH INFO

UAE Division 1

Abu Dhabi Harlequins 12-24 Abu Dhabi Saracens

Ad Astra

Director: James Gray

Stars: Brad Pitt, Tommy Lee Jones

Five out of five stars 

Wicked: For Good

Director: Jon M Chu

Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater

Rating: 4/5

MATCH INFO

South Africa 66 (Tries: De Allende, Nkosi, Reinach (3), Gelant, Steyn, Brits, Willemse; Cons: Jantjies 8) 

Canada 7 (Tries: Heaton; Cons: Nelson)

Studying addiction

This month, Dubai Medical College launched the Middle East’s first master's programme in addiction science.

Together with the Erada Centre for Treatment and Rehabilitation, the college offers a two-year master’s course as well as a one-year diploma in the same subject.

The move was announced earlier this year and is part of a new drive to combat drug abuse and increase the region’s capacity for treating drug addiction.

Start times

5.55am: Wheelchair Marathon Elites

6am: Marathon Elites

7am: Marathon Masses

9am: 10Km Road Race

11am: 4Km Fun Run

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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.”

The details

Heard It in a Past Life

Maggie Rogers

(Capital Records)

3/5

Avatar: Fire and Ash

Director: James Cameron

Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana

Rating: 4.5/5

The specs
Engine: 2.0-litre 4-cyl turbo

Power: 201hp at 5,200rpm

Torque: 320Nm at 1,750-4,000rpm

Transmission: 6-speed auto

Fuel consumption: 8.7L/100km

Price: Dh133,900

On sale: now 

COMPANY PROFILE
Name: Kumulus Water
 
Started: 2021
 
Founders: Iheb Triki and Mohamed Ali Abid
 
Based: Tunisia 
 
Sector: Water technology 
 
Number of staff: 22 
 
Investment raised: $4 million 
The Brutalist

Director: Brady Corbet

Stars: Adrien Brody, Felicity Jones, Guy Pearce, Joe Alwyn

Rating: 3.5/5

Scoreline

Switzerland 5

Specs

Engine: 51.5kW electric motor

Range: 400km

Power: 134bhp

Torque: 175Nm

Price: From Dh98,800

Available: Now

Why your domicile status is important

Your UK residence status is assessed using the statutory residence test. While your residence status – ie where you live - is assessed every year, your domicile status is assessed over your lifetime.

Your domicile of origin generally comes from your parents and if your parents were not married, then it is decided by your father. Your domicile is generally the country your father considered his permanent home when you were born. 

UK residents who have their permanent home ("domicile") outside the UK may not have to pay UK tax on foreign income. For example, they do not pay tax on foreign income or gains if they are less than £2,000 in the tax year and do not transfer that gain to a UK bank account.

A UK-domiciled person, however, is liable for UK tax on their worldwide income and gains when they are resident in the UK.

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TWISTERS

Director: Lee Isaac Chung

Starring: Glen Powell, Daisy Edgar-Jones, Anthony Ramos

Rating: 2.5/5

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%3Cp%3EAlyssa%20Alhadeff%2C%2014%3C%2Fp%3E%0A%3Cp%3EScott%20Beigel%2C%2035%0D%3C%2Fp%3E%0A%3Cp%3EMartin%20Duque%2C%2014%3C%2Fp%3E%0A%3Cp%3ENicholas%20Dworet%2C%2017%3C%2Fp%3E%0A%3Cp%3EAaron%20Feis%2C%2037%3C%2Fp%3E%0A%3Cp%3EJaime%20Guttenberg%2C%2014%0D%3C%2Fp%3E%0A%3Cp%3EChris%20Hixon%2C%2049%0D%3C%2Fp%3E%0A%3Cp%3ELuke%20Hoyer%2C%2015%3C%2Fp%3E%0A%3Cp%3ECara%20Loughran%2C%2014%0D%3C%2Fp%3E%0A%3Cp%3EGina%20Montalto%2C%2014%0D%3C%2Fp%3E%0A%3Cp%3EJoaquin%20Oliver%2C%2017%0D%3C%2Fp%3E%0A%3Cp%3EAlaina%20Petty%2C%2014%0D%3C%2Fp%3E%0A%3Cp%3EMeadow%20Pollack%2C%2018%3C%2Fp%3E%0A%3Cp%3EHelena%20Ramsay%2C%2017%0D%3Cbr%3E%0D%3C%2Fp%3E%0A%3Cp%3EAlex%20Schachter%2C%2014%0D%3C%2Fp%3E%0A%3Cp%3ECarmen%20Schentrup%2C%2016%0D%3C%2Fp%3E%0A%3Cp%3EPeter%20Wang%2C%2015%3Cbr%3E%3C%2Fp%3E%0A
Updated: July 14, 2023, 6:18 PM