Stage 2: Opportunistic

Private: Basic skills, some schools, company training.

Stage 2: Opportunistic

Transactional: Moderate use, gaps in access.

Stage 2: Opportunistic

Tolerant: Tech as last resort.

Stage 2: Opportunistic

Volunteerism: Tech aids activism, accountability via volunteers.

Stage 2: Opportunistic

Inaccessible: Basic quality, selective coverage.

Stage 2: Opportunistic

Restricted: Lower tech access, systemic barriers.

Stage 1: Basic

Reactive: No strategy, no senior support, isolated projects.

Stage 4: Differentiating

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

Stage 2: Opportunistic

Digitization: Basic digital tools, in-person main.

Stage 1: Basic

Closed: No info sharing, no feedback or evaluation.

Stage 3: Systematic

Recognition: Functional data protection authority, regulation.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 2: Opportunistic

Regulate & forget: Outdated IP law, some competition.

Stage 3: Systematic

Recognition: Enacted law, limited enforcement.

Stage 3: Systematic

Recognition: Price monitoring, accessibility.

Stage 3: Systematic

Regulated: Focus on political rights.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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 2: Opportunistic

Digitized: Records digital, separate institutions.

Stage 3: Systematic

Online: Central data, info systems, infrastructure.