Stage 2: Opportunistic

Private: Basic skills, some schools, company training.

Stage 4: Differentiating

Advanced: Complex services, reduced divide.

Stage 4: Differentiating

Enthusiastic: Open, innovative, motivated tech adoption.

Stage 1: Basic

Restricted: Tech not for citizen-govt interaction, voice exclusion.

Stage 4: Differentiating

Convenient: Extended, reliable, majority covered.

Stage 2: Opportunistic

Restricted: Lower tech access, systemic barriers.

Stage 3: Systematic

Formal: Underdeveloped plan, moderate priority.

Stage 1: Basic

Analogue: No skills, outsourcing, no strategy, no budget.

Stage 2: Opportunistic

Digitization: Basic digital tools, in-person main.

Stage 1: Basic

Closed: No info sharing, no feedback or evaluation.

Stage 2: Opportunistic

Regulate & forget: Ineffective legislation, no enforcement.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 1: Basic

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

Stage 2: Opportunistic

Regulate & forget: Developing law, seeking resources.

Stage 1: Basic

No recognition: Digital service monopolies.

Stage 2: Opportunistic

Recognized: No action taken.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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 1: Basic

Unaware: Lack of awareness about ethical standards in digital services.

Stage 3: Systematic

Systematic: Prepaid, mobile money, no bank account.

Stage 4: Differentiating

Integrated: Govt-business linked IDs, data protection.

Stage 1: Basic

Offline: No data exchange, paper-based, no systems.