Stage 4: Differentiating

Cultivated: Schools teach, tech equipped curriculum.

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 3: Systematic

Rudimentary: Urban-focused high-speed coverage.

Stage 3: Systematic

Limited: Consistently lower access, ignored differentiation.

Stage 3: Systematic

Formal: Underdeveloped plan, moderate priority.

Stage 4: Differentiating

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

Stage 5: Transformational

Smart State: Online access, optional in-person, full redesign.

Stage 5: Transformational

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

Stage 3: Systematic

Recognition: Functional data protection authority, regulation.

Stage 3: Systematic

Recognition: Discuss need to regulate tech impact.

Stage 2: Opportunistic

Regulate & forget: Outdated IP law, some competition.

Stage 3: Systematic

Recognition: Enacted law, limited enforcement.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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

Federated: Inclusive system, citizens/businesses/entities.

Stage 4: Differentiating

Accessible: Governance, data use, decision-making.