Stage 3: Systematic

Elective: Basic skills widespread, optional school learning.

Stage 5: Transformational

Proficient: Comprehensive, universal access, reduced divide.

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 3: Systematic

Formal: Underdeveloped plan, moderate priority.

Stage 3: Systematic

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

Stage 2: Opportunistic

Digitization: Basic digital tools, in-person main.

Stage 1: Basic

Closed: No info sharing, no feedback or evaluation.

Stage 1: Basic

No recognition: No data protection, access barriers.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 2: Opportunistic

Regulate & forget: Outdated IP law, some competition.

Stage 3: Systematic

Recognition: Enacted law, limited enforcement.

Stage 4: Differentiating

Promotion: Functional watchdog, diverse licenses.

Stage 2: Opportunistic

Recognized: No action taken.

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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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 1: Basic

Traditional: Cash, checks dominate, rare digital payments.

Stage 3: Systematic

Digitalized: Machine-readable records, workflows set.

Stage 2: Opportunistic

Siloed: Limited exchange, spreadsheets, PDFs.