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 5: Transformational

Participative: Integrated civic platforms, inclusive discourse, media outlets, encouraged participation.

Stage 3: Systematic

Rudimentary: Urban-focused high-speed coverage.

Stage 3: Systematic

Limited: Consistently lower access, ignored differentiation.

Stage 4: Differentiating

Strategic: Inclusive vision, some shared adoption.

Stage 4: Differentiating

Integrated: Widespread skills, central strategy, metrics-driven.

Stage 4: Differentiating

Integrated digitalization: Centralized, redesigned, data-centric.

Stage 5: Transformational

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

Stage 2: Opportunistic

Regulate & forget: Ineffective legislation, no enforcement.

Stage 3: Systematic

Recognition: Discuss need to regulate tech impact.

Stage 3: Systematic

Recognition: Licensing promotes competition, balanced prices.

Stage 3: Systematic

Recognition: Enacted law, limited enforcement.

Stage 4: Differentiating

Promotion: Functional watchdog, diverse licenses.

Stage 3: Systematic

Regulated: Focus on political rights.

Stage 1: Basic

Adverse: Limited tech adoption, unfavorable conditions.

Stage 1: Basic

Emerging: Primarily physical access to financial services.

Stage 2: Opportunistic

Emergent: Improved communication, industry-academia ties, updated curriculum.

Stage 5: Transformational

Transformational: Widespread digital payments, local currencies.

Stage 5: Transformational

Federated: Inclusive system, citizens/businesses/entities.

Stage 5: Transformational

Open: Optimized model, public data, structured API.