Stage 3: Systematic

Elective: Basic skills widespread, optional school learning.

Stage 3: Systematic

Intermediate: Complex actions, info access, tech ownership.

Stage 3: Systematic

Accepting: Trial-error, active use, known channels.

Stage 4: Differentiating

Engaged: Tech shapes decisions, ethics guide communication.

Stage 2: Opportunistic

Inaccessible: Basic quality, selective coverage.

Stage 2: Opportunistic

Restricted: Lower tech access, systemic barriers.

Stage 3: Systematic

Formal: Underdeveloped plan, moderate priority.

Stage 3: Systematic

Digital seeds: Growing skills, some insourcing, developing strategy.

Stage 4: Differentiating

Integrated digitalization: Centralized, redesigned, data-centric.

Stage 4: Differentiating

Participatory: Info sharing, broad input, partial KPIs.

Stage 3: Systematic

Recognition: Functional data protection authority, regulation.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 1: Basic

No recognition: No IP law, static taxation, telecom monopoly.

Stage 4: Differentiating

Promotion: Budget support, growing practice.

Stage 4: Differentiating

Promotion: Functional watchdog, diverse licenses.

Stage 4: Differentiating

Resourced: Legal resources, intl. standards.

Stage 1: Basic

Adverse: Limited tech adoption, unfavorable conditions.

Stage 1: Basic

Emerging: Primarily physical access to financial services.

Stage 1: Basic

Stagnant: Limited graduates, outdated curriculum, lack of engagement.

Stage 5: Transformational

Advocate: Embedded ethics, evolving standards, proactive advocacy.

Stage 5: Transformational

Transformational: Widespread digital payments, local currencies.

Stage 3: Systematic

Digitalized: Machine-readable records, workflows set.

Stage 4: Differentiating

Accessible: Governance, data use, decision-making.