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 4: Differentiating

Engaged: Tech shapes decisions, ethics guide communication.

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 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 4: Differentiating

Promotion: Key data rights protected, enforced.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 3: Systematic

Recognition: Licensing promotes competition, balanced prices.

Stage 5: Transformational

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

Stage 5: Transformational

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

Stage 3: Systematic

Regulated: Focus on political rights.

Stage 1: Basic

Adverse: Limited tech adoption, unfavorable conditions.

Stage 1: Basic

Emerging: Primarily physical access to financial services.

Stage 2: Opportunistic

Emergent: Improved communication, industry-academia ties, updated curriculum.

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.