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 5: Transformational

Collaborative: Open, stakeholder partnership, robust feedback, evaluations.

Stage 5: Transformational

Dynamic Legal Framework: Enforced tailored regulation, FOI used, accessible government data.

Stage 2: Opportunistic

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

Stage 4: Differentiating

Promotion: Adaptive taxation, national IP protection.

Stage 5: Transformational

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

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 4: Differentiating

Interconnected: Extensive engagement, cross-sector collaboration, international events.

Stage 5: Transformational

Advocate: Embedded ethics, evolving standards, proactive advocacy.

Stage 4: Differentiating

Differentiating: Decoupled payments, digital wallets.

Stage 5: Transformational

Federated: Inclusive system, citizens/businesses/entities.

Stage 5: Transformational

Open: Optimized model, public data, structured API.