Stage 2: Opportunistic

Private: Basic skills, some schools, company training.

Stage 3: Systematic

Intermediate: Complex actions, info access, tech ownership.

Stage 3: Systematic

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

Stage 4: Differentiating

Engaged: Tech shapes decisions, ethics guide communication.

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 3: Systematic

Digital seeds: Growing skills, some insourcing, developing strategy.

Stage 4: Differentiating

Integrated digitalization: Centralized, redesigned, data-centric.

Stage 4: Differentiating

Participatory: Info sharing, broad input, partial KPIs.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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

Open: Optimized model, public data, structured API.