Stage 5: Transformational

Widespread: Universal skills, adult centers, industry shift, integrated education.

Stage 5: Transformational

Proficient: Comprehensive, universal access, reduced divide.

Stage 5: Transformational

Advocating: Full tech integration, societal reshaping.

Stage 5: Transformational

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

Stage 4: Differentiating

Convenient: Extended, reliable, majority covered.

Stage 5: Transformational

Universal: Equal access, acknowledged barriers, full benefits.

Stage 5: Transformational

Visionary: Impactful strategy, top-level support, empowered leaders.

Stage 5: Transformational

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

Stage 5: Transformational

Smart State: Online access, optional in-person, full redesign.

Stage 4: Differentiating

Participatory: Info sharing, broad input, partial KPIs.

Stage 4: Differentiating

Promotion: Key data rights protected, enforced.

Stage 4: Differentiating

Promotion: Actively promotes growth, updates.

Stage 3: Systematic

Recognition: Licensing promotes competition, balanced prices.

Stage 5: Transformational

Dynamic Legal Framework: Comprehensive law, baselines, compliance, international alignment.

Stage 4: Differentiating

Promotion: Functional watchdog, diverse licenses.

Stage 5: Transformational

Fully protected: Legal, institutional, tech safeguards.

Stage 2: Opportunistic

Developing: Moderate tech, sector-specific 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 1: Basic

Traditional: Cash, checks dominate, rare digital payments.

Stage 4: Differentiating

Integrated: Govt-business linked IDs, data protection.

Stage 5: Transformational

Open: Optimized model, public data, structured API.