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 1: Basic

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

Stage 2: Opportunistic

Inaccessible: Basic quality, selective coverage.

Stage 3: Systematic

Limited: Consistently lower access, ignored differentiation.

Stage 1: Basic

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

Stage 2: Opportunistic

Outsourcing: Few skills, external help, partial strategy.

Stage 3: Systematic

Digitalization: Online transactions, some redesign.

Stage 2: Opportunistic

Reactionary: Limited sharing, key stakeholder input.

Stage 2: Opportunistic

Regulate & forget: Ineffective legislation, no enforcement.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 1: Basic

No recognition: No IP law, static taxation, telecom monopoly.

Stage 2: Opportunistic

Regulate & forget: Developing law, seeking resources.

Stage 4: Differentiating

Promotion: Functional watchdog, diverse licenses.

Stage 1: Basic

Not recognized: No digital human rights.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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 5: Transformational

Transformational: Widespread digital payments, local currencies.

Stage 3: Systematic

Digitalized: Machine-readable records, workflows set.

Stage 3: Systematic

Online: Central data, info systems, infrastructure.