Stage 3: Systematic

Elective: Basic skills widespread, optional school learning.

Stage 2: Opportunistic

Transactional: Moderate use, gaps in access.

Stage 3: Systematic

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

Stage 2: Opportunistic

Volunteerism: Tech aids activism, accountability via volunteers.

Stage 3: Systematic

Rudimentary: Urban-focused high-speed coverage.

Stage 3: Systematic

Limited: Consistently lower access, ignored differentiation.

Stage 4: Differentiating

Strategic: Inclusive vision, some shared adoption.

Stage 2: Opportunistic

Outsourcing: Few skills, external help, partial strategy.

Stage 4: Differentiating

Integrated digitalization: Centralized, redesigned, data-centric.

Stage 4: Differentiating

Participatory: Info sharing, broad input, partial KPIs.

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 3: Systematic

Recognition: Licensing promotes competition, balanced prices.

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 5: Transformational

Fully protected: Legal, institutional, tech safeguards.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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

Advocate: Embedded ethics, evolving standards, proactive advocacy.

Stage 5: Transformational

Transformational: Widespread digital payments, local currencies.

Stage 4: Differentiating

Integrated: Govt-business linked IDs, data protection.

Stage 5: Transformational

Open: Optimized model, public data, structured API.