Stage 4: Differentiating

Cultivated: Schools teach, tech equipped curriculum.

Stage 3: Systematic

Intermediate: Complex actions, info access, tech ownership.

Stage 4: Differentiating

Enthusiastic: Open, innovative, motivated tech adoption.

Stage 4: Differentiating

Engaged: Tech shapes decisions, ethics guide communication.

Stage 3: Systematic

Rudimentary: Urban-focused high-speed coverage.

Stage 4: Differentiating

Open: Similar access, recognized barriers, free access points.

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 4: Differentiating

Participatory: Info sharing, broad input, partial KPIs.

Stage 2: Opportunistic

Regulate & forget: Ineffective legislation, no enforcement.

Stage 3: Systematic

Recognition: Discuss need to regulate tech impact.

Stage 2: Opportunistic

Regulate & forget: Outdated IP law, some competition.

Stage 5: Transformational

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

Stage 4: Differentiating

Promotion: Functional watchdog, diverse licenses.

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 3: Systematic

Siloed: Growing collaboration, international recognition.

Stage 5: Transformational

Advocate: Embedded ethics, evolving standards, proactive advocacy.

Stage 4: Differentiating

Differentiating: Decoupled payments, digital wallets.

Stage 3: Systematic

Digitalized: Machine-readable records, workflows set.

Stage 4: Differentiating

Accessible: Governance, data use, decision-making.