Stage 2: Opportunistic

Private: Basic skills, some schools, company training.

Stage 1: Basic

Basic: Tech for leisure, low access and adoption.

Stage 1: Basic

Resistant: Low tech adoption, change incentives lacking.

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 5: Transformational

Digital by default: Embedded skills, centralized strategy, quantifiable objectives, long-term budget, full Digital Principles integration.

Stage 3: Systematic

Digitalization: Online transactions, some redesign.

Stage 5: Transformational

Collaborative: Open, stakeholder partnership, robust feedback, evaluations.

Stage 4: Differentiating

Promotion: Key data rights protected, enforced.

Stage 3: Systematic

Recognition: Discuss need to regulate tech impact.

Stage 4: Differentiating

Promotion: Adaptive taxation, national IP protection.

Stage 4: Differentiating

Promotion: Budget support, growing practice.

Stage 5: Transformational

Dynamic Legal Framework: Strong watchdog, tailored legislation, price monitoring.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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

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

Stage 2: Opportunistic

Changing: Digital access, cards, online banking, cashless.

Stage 4: Differentiating

Integrated: Govt-business linked IDs, data protection.

Stage 5: Transformational

Open: Optimized model, public data, structured API.