Stage 4: Differentiating

Cultivated: Schools teach, tech equipped curriculum.

Stage 3: Systematic

Intermediate: Complex actions, info access, tech ownership.

Stage 3: Systematic

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

Stage 1: Basic

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

Stage 3: Systematic

Rudimentary: Urban-focused high-speed coverage.

Stage 3: Systematic

Limited: Consistently lower access, ignored differentiation.

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 2: Opportunistic

Reactionary: Limited sharing, key stakeholder input.

Stage 3: Systematic

Recognition: Functional data protection authority, regulation.

Stage 2: Opportunistic

Regulate & forget: Uniform reg., no impact assessment.

Stage 2: Opportunistic

Regulate & forget: Outdated IP law, some competition.

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 2: Opportunistic

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

Stage 5: Transformational

Advocate: Embedded ethics, evolving standards, proactive advocacy.

Stage 2: Opportunistic

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

Stage 3: Systematic

Digitalized: Machine-readable records, workflows set.

Stage 4: Differentiating

Accessible: Governance, data use, decision-making.