Stage 3: Systematic

Elective: Basic skills widespread, optional school learning.

Stage 1: Basic

Basic: Tech for leisure, low access and adoption.

Stage 2: Opportunistic

Tolerant: Tech as last resort.

Stage 2: Opportunistic

Volunteerism: Tech aids activism, accountability via volunteers.

Stage 2: Opportunistic

Inaccessible: Basic quality, selective coverage.

Stage 2: Opportunistic

Restricted: Lower tech access, systemic barriers.

Stage 4: Differentiating

Strategic: Inclusive vision, some shared adoption.

Stage 4: Differentiating

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

Stage 2: Opportunistic

Digitization: Basic digital tools, in-person main.

Stage 3: Systematic

Transparent: Regular info sharing, some stakeholder input.

Stage 1: Basic

No recognition: No data protection, access barriers.

Stage 2: Opportunistic

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

Stage 3: Systematic

Recognition: Licensing promotes competition, balanced prices.

Stage 4: Differentiating

Promotion: Budget support, growing practice.

Stage 5: Transformational

Dynamic Legal Framework: Strong watchdog, tailored legislation, price monitoring.

Stage 4: Differentiating

Resourced: Legal resources, intl. standards.

Stage 2: Opportunistic

Developing: Moderate tech, sector-specific 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Stagnant: Limited graduates, outdated curriculum, lack of engagement.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 4: Differentiating

Differentiating: Decoupled payments, digital wallets.

Stage 4: Differentiating

Integrated: Govt-business linked IDs, data protection.

Stage 3: Systematic

Online: Central data, info systems, infrastructure.