Stage 4: Differentiating

Cultivated: Schools teach, tech equipped curriculum.

Stage 5: Transformational

Proficient: Comprehensive, universal access, reduced divide.

Stage 4: Differentiating

Enthusiastic: Open, innovative, motivated tech adoption.

Stage 5: Transformational

Participative: Integrated civic platforms, inclusive discourse, media outlets, encouraged participation.

Stage 4: Differentiating

Convenient: Extended, reliable, majority covered.

Stage 5: Transformational

Universal: Equal access, acknowledged barriers, full benefits.

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 5: Transformational

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

Stage 3: Systematic

Recognition: Functional data protection authority, regulation.

Stage 5: Transformational

Dynamic Legal Framework: Evolving, outcome-based, feedback loops, soft law mechanisms.

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 3: Systematic

Siloed: Growing collaboration, international recognition.

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.