Tech Features
Exploring the Metaverse: Financial Wellness, Regulation and the Future of Gaming
By Sandra Mottoh, Chief Compliance Officer, Responsible Gaming MENA.
The year 2025 is set to be a big one for the Metaverse. What started as a futuristic idea is now growing at an incredible pace, with global expansion expected at 37% annually until 2030. But it’s not about the numbers. It is about how the Metaverse changes how we game, shop, interact, and do business online.
In the UAE, I see an excellent opportunity for banks, payment providers, and other key players to step in and participate in this transformation. Those who get involved early while staying on the right side of regulation will have the best chance of success. In this article, we will explore how the UAE can embrace this digital shift while keeping innovation and compliance in perfect balance.
The Metaverse: A New Era of Digital Commerce and Culture
At first, many viewed the Metaverse as a new way to play games, but it’s become a virtual economy today. Experts predict it will contribute around $200 billion to the global economy by 2026, largely thanks to NFTs and virtual goods.
This is an incredible opportunity for the UAE, as the country has always been at the forefront of digital change. I am excited to see what is coming next with the Metaverse. Dubai’s Metaverse Strategy is already setting things in motion, with a target to create over 42,000 virtual jobs and add $4 billion to the economy by 2030.
What makes the Metaverse so powerful is that, in many ways, it is similar to the real world regarding commerce. You can buy, sell, and trade assets, even virtual real estate. This opens the door for banks and payment providers to come in with specialised products that allow for seamless transactions.
I am particularly curious about how the rich culture of the UAE could come to life in the Metaverse. Imagine regional arts, heritage, and other local creations that people can own and trade. With the right financial support in place, this could be a game-changer for both culture and commerce in the Metaverse.
Financial Wellness in the Metaverse: Balancing Culture and Commerce
Indeed, the Metaverse offers exciting economic opportunities but comes with financial risks. Younger players who aren’t very familiar with virtual assets are the most vulnerable. I came across a study by the National Gaming Foundation that revealed nearly 50% of young gamers carry out virtual transactions without fully understanding the risks. As a result, they end up overspending and, sometimes, fall victim to fraud. This is where I see a real chance for banks and payment service providers to make a meaningful impact.
The banks and payment service providers have the resources to promote financial wellness within the Metaverse. One great approach is introducing educational tools directly into gaming platforms, giving younger players the knowledge they need to make smart financial choices.
I commend the UAE for its efforts to improve financial wellness. For example, the UAE Financial Literacy Strategy, which aims to improve citizens’ financial knowledge, is already in motion. Programs like MoneySense, introduced in 2017, have also been helping residents become more financially savvy.
Banks can build on these efforts by offering tools for managing digital currency, setting up spending alerts, and providing virtual budgeting features. These solutions would help users track their virtual assets and encourage responsible spending habits — both in the Metaverse and in real life.
Regulation: Vital to a Safe Metaverse Ecosystem
Like anything else, the Metaverse needs clear rules and regulations to ensure a safe and secure digital environment. This is particularly important in the UAE, where commercial gaming is still developing. While the country already has a solid framework for fintech and digital payments, more needs to be done to address the Metaverse’s uniqueness.
The UAE will need to adapt its digital regulations to align with the virtual economy. One core focus is for the virtual assets to follow the same level of scrutiny as traditional financial systems. In other words, banks and payment service providers must enforce strict anti-money laundering (AML) and know-your-customer (KYC) practices. That will help keep things transparent and prevent fraud.
Looking into data from the Financial Action Task Force (FATF), I found that global money laundering risks linked to cryptocurrencies and virtual assets are on the rise. This highlights how crucial regulatory compliance is in the Metaverse. If the UAE wants to lead in this space while protecting businesses and consumers, it must take a proactive approach to building a well-regulated virtual economy.
The Future of Metaverse Gaming: Collaborating for Financial Innovation
As we look ahead, the UAE must stay open-minded about the Metaverse. I say so because the virtual economy will only expand, and when it does, service providers will find themselves engaging local and international players. It presents a massive opportunity that banks and financial institutions cannot afford to overlook.
The big question is: How can UAE-based banks keep up with global demand? My answer is collaboration. They will need to work closely with regulators, developers, and operators as the Metaverse grows. Everyone must do their part to keep the virtual economy secure and compliant to build a solid metaverse that benefits everyone.
Tech Features
SUPPORTING EMPLOYEES ABROAD OR RELOCATING AMID REGIONAL TENSIONS: A STRATEGIC ADVISORY FOR ORGANISATIONS

By Gillan McNay, Security Director Assistance – Middle East, International SOS
Periods of regional tension place organisations under intense pressure to protect their people while sustaining operations. For UAE‑based companies with employees working from abroad, traveling frequently, or facing potential relocation, uncertainty can escalate quickly. Routes change, borders tighten, information moves faster than it can be verified, and employees look to their organisation for clarity and reassurance. In this environment, support must be strategic, deliberate, and people‑first.
Shift From Reaction to Preparedness
The most resilient organisations are those that move beyond reacting to events and instead operate with a preparedness mindset. This starts with acknowledging that uncertainty is not an exception but a condition organisations must continuously manage. Strategy, therefore, should anticipate disruption and define how the organisation will respond before decisions are forced by urgency.
Preparedness does not mean planning for every possible outcome. It means establishing decision frameworks that allow leaders to act confidently as conditions evolve, whether that results in continued remote work, relocation to a safe haven, or shelter‑in‑place with enhanced support.
Establish Workforce Visibility as a Strategic Capability
Supporting employees abroad begins with accurate, real‑time visibility. Leaders must know where their people are, their travel status, and whether they are working remotely, stationed overseas, or in transit with dependents. Visibility should extend beyond employees to include contractors and accompanying family members where duty‑of‑care obligations apply.
This visibility is strategic because it underpins all subsequent decisions. Without it, organisations risk delayed responses, fragmented communication, and uneven support. With it, they can act proportionately, supporting those most exposed while avoiding unnecessary disruption for others.
Differentiate Between Relocation, Evacuation, and Stability
One of the most common strategic mistakes during regional tensions is treating all movement decisions as evacuations. In reality, organisations need three clearly defined postures:
- Stability: Supporting employees to remain where they are with guidance, wellbeing checks, and secure working arrangements.
- Relocation: Moving employees to a safer location, often within the region, as a preventive measure.
- Evacuation: Executing time‑bound movement out of an area due to elevated risk.
Clear definitions allow leaders to choose the least disruptive option that still protects people. Often, relocation or stability with structured support is safer and more sustainable than rapid evacuation.
Prepare Employees Before Movement Is Required
Relocation becomes significantly smoother when employees are prepared before they are asked to move. Strategy should include guidance on documentation readiness, passport validity, visa requirements for neighbouring countries, preferred relocation countries and expectations around timelines and flexibility.
Employees working abroad need to understand not only what may happen, but how decisions will be made. When organisations explain decision triggers, what would prompt relocation, what would not, employees feel informed rather than anxious. This transparency builds trust and reduces panic-driven movement.
Integrate the Human Dimension into Planning
Strategic support must address the human impact of uncertainty. Employees working from abroad or facing relocation are often balancing professional obligations with family concerns, schooling, medical needs, and other emotional strains. Ignoring these factors weakens any relocation or stability strategy.
Effective organisations integrate wellbeing considerations into operational plans. This includes access to medical advice, continuity of prescriptions, support for family travel, and regular wellbeing check‑ins. Leaders should be attuned to signs of fatigue or anxiety and equip managers with guidance to support teams compassionately and consistently.
Communicate With Discipline and Predictability
In uncertain times, communication is as important as movement planning. Strategy should define how, when, and by whom information is shared. Centralised, fact‑based updates delivered at a predictable cadence reduce speculation and rumor.
Employees should know where official updates will come from and which sources to trust. Communications do not need to be frequent to be effective; they need to be consistent, clear, and grounded in verified information. Saying “there is no update yet” is often more reassuring than silence.
Support Employees Who Must Remain Abroad
Not all employees can or should relocate. Many will continue working from abroad in environments affected by regional tension. Supporting these employees strategically means ensuring they have guidance on local conditions, access to support services, and clearly defined expectations around work, availability, and safety.
Stability should be treated as an active posture, not inaction. Regular check‑ins, updated guidance, and contingency planning signal to employees that their situation is being managed deliberately, not overlooked.
Plan for Relocation as a Managed Process
When relocation is required and viable, it should be executed as a controlled, end‑to‑end process. This includes manifesting all individuals, front‑loading documentation checks, coordinating transport and accommodation, and communicating each step of the journey.
Strategically, leaders must also consider what comes after relocation: access to work, schooling for children, healthcare, and communication continuity. Relocation is not just movement; it is a temporary operating model that must be sustainable.
Learn, Adapt, and Strengthen
Each period of disruption provides insight into what worked and what did not. Strategic organisations capture these lessons and feed them back into planning. This may involve refining decision thresholds, improving data accuracy, or strengthening manager training.
Preparedness evolves as operating environments change, and organisations that invest in continuous improvement are better positioned to protect both their people and their business.
A Strategy Built on Trust and Clarity
Ultimately, supporting employees abroad or relocating amid regional tensions is a test of organisational maturity. Clear visibility, disciplined planning, transparent communication, and genuine care form the foundation of resilience. When organisations operate from these principles, employees feel supported rather than vulnerable, and leaders can make decisions with confidence rather than urgency.
Tech Features
IN THE AGE OF AI, THE BEST HEALTHCARE WILL STILL BE HUMAN

By Dr. Craig Cook, CEO, The Brain & Performance Centre, A DP World Company
Healthcare is entering one of the most transformative periods in its history. Artificial intelligence is accelerating diagnostics, enhancing imaging, and enabling more personalised treatment pathways than ever before. These advancements are no longer theoretical, they are already shaping how care is delivered across leading medical systems.
However, as the industry moves forward at pace, there is a risk of focusing too heavily on what technology can do, and not enough on what individuals actually need.
At its core, healthcare is not a technical transaction. It is a human experience. Within that experience, trust, communication and empathy are not optional, they are fundamental.
Strong human interaction between clinicians and clients remains one of the most important factors in delivering safe and effective care. Technology can identify patterns, process data and support decision-making, but it cannot replace the reassurance an individual feels when they are heard, understood and taken seriously. That interaction often determines whether someone follows through with treatment, shares critical information, or seeks support early rather than late.
From a safety perspective, this is critical. Individuals who feel comfortable with their clinician are far more likely to communicate openly about symptoms, concerns and uncertainties. They ask more questions, clarify instructions, and engage more actively in their own care. This level of engagement reduces the likelihood of miscommunication, improves adherence to treatment plans, and ultimately leads to better outcomes.
In contrast, when the human element is diminished, even the most advanced systems can fall short. An individual may receive accurate data but still leave uncertain about what it means. They may hesitate to disclose something important, or disengage entirely. No algorithm can compensate for that gap.
This is why meaningful communication must remain at the centre of healthcare delivery. It is not simply about explaining a diagnosis. It is about creating an environment where individuals feel safe to speak, where their concerns are acknowledged, and where complex information is translated into something clear and actionable.
As artificial intelligence continues to evolve, the role of the clinician will not diminish, it will become more important. Technology should reduce administrative burden, enhance precision, and create time. That time should be reinvested into the client relationship through greater clarity, deeper understanding and more considered care.
At The Brain & Performance Centre, A DP World Company, this balance is central to how we approach care. Advanced technologies play a critical role in our assessments and programmes, but they are always applied within a human-led framework. Every programme is personalised, every interaction is intentional, and every client journey is built on understanding the individual, not just the data.
The future of healthcare will undoubtedly be shaped by innovation. But its success will not be defined by how advanced the technology becomes. It will be defined by whether we use that technology to strengthen, rather than replace, the human connection at the centre of care. Because ultimately, the most powerful tool in healthcare is not artificial intelligence. It is trust.
Tech Features
6 Trends in AI Compliance Influencing How GCC Companies Operate
Across the GCC, national development agendas increasingly position artificial intelligence as a cornerstone of economic diversification. Saudi Arabia’s Vision 2030, the UAE’s National AI Strategy 2031, and Qatar’s national innovation roadmap all highlight AI as a critical driver of future growth. According to McKinsey, AI adoption has already reached around 84 percent among organisations in the GCC, with the technology projected to generate up to $320 billion in economic value for the Middle East by 2030. As adoption accelerates across industries, regulatory compliance is becoming a key factor that determines whether AI initiatives move beyond ambition to achieve sustainable scale.
Shaffra, an AI research and applications company building autonomous AI teams for enterprises and governments, sees six clear shifts reshaping how companies operate.
1. Regulation is accelerating adoption in high-stakes sectors
Government entities, financial services, telecom, aviation, and large semi-government organisations are moving fastest. These sectors operate at scale, face strict efficiency mandates, and function under constant regulatory oversight. Healthcare and energy are advancing more cautiously due to safety and data sensitivity. In many cases, the more regulated the industry, the faster AI deployment progresses. However, rapid scaling also exposes governance weaknesses, particularly where documentation, ownership, and oversight mechanisms are underdeveloped.
2. Compliance is prerequisite for scale
Over the past year, 88% of Middle East CEOs have reported generative AI uptake. Today, organisations increasingly require audit trails, explainability, clear data lineage and residency controls, defined performance thresholds, and enforceable human oversight mechanisms. With one in four Middle East consumers citing privacy as a primary concern, compliance is being treated as a post-deployment validation exercise; it is a structural requirement for scaling AI responsibly.
3. Sovereign AI and data residency are shaping architecture
AI governance in the GCC is being influenced less by standalone AI laws and more by data protection and cybersecurity frameworks. The UAE’s federal data protection law, Saudi Arabia’s PDPL under SDAIA, and Oman’s PDPL reinforce lawful processing and cross-border controls. In highly regulated sectors such as banking, healthcare, energy, and telecommunications, data residency and local control over models are strategic imperatives. Sovereign AI is evolving from a policy ambition into an operational requirement affecting infrastructure, vendor selection, and system design.
4. Human accountability is being reasserted
When organisations deploy AI without defining who owns the decision, when human escalation is required, and what the system is permitted or restricted from doing, they create either over-reliance or under-utilisation. Without clearly defined ownership and documented review controls, accountability weakens and regulatory exposure increases.
For instance, DIFC reinforces responsible AI use in personal data processing. High-impact decisions involving legal standing, fraud, employment, healthcare guidance, or public sector determinations that affect citizens need to involve human oversight, while AI handles speed, consistency, and automation of repetitive tasks. High-impact decisions should involve accountable human oversight.
5. Governance maturity slows deployment activity
Many organisations are AI-active but still developing governance maturity. Common governance gaps are structural rather than technical. Multiple pilots often run in parallel, tool adoption is fragmented, and accountability is split across IT, legal, risk, and business functions. Growing enterprises often lack a central AI governance owner, a comprehensive use-case inventory, consistent vendor and model risk assessment, and formal escalation protocols. Policies may exist at the board level, yet it is not consistently embedded into day-to-day operations. Addressing this gap requires governance to be built into workflows from the outset.
6. Continuous auditing is discipline
Studies indicate that a majority of ML models degrade over time, through model drift, hidden bias, or misuse vulnerabilities. Initial audits frequently reveal undocumented use cases, weak access segmentation, insufficient logging, and unclear review protocols. Effective governance requires compliance with international and local data residency rules, structured risk tiering, data lineage validation, access controls, bias testing, performance benchmarking, and defined incident response procedures. High-impact systems warrant quarterly reviews supported by continuous monitoring, while lower-risk applications still require periodic reassessment. Governance is increasingly measured through evidence rather than policy statements. Boards are asking for dashboards, logs, and audit artefacts — not policy PDFs.
Governance is being considered as part of AI infrastructure. Compliance frameworks are evolving into operational architecture embedded within systems, workflows, and accountability models. The organisations that will lead in the GCC are those that design governance at the same time they design capability, ensuring AI scales with discipline rather than risk.
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