Stage 4: Differentiating

Cultivated: Schools teach, tech equipped curriculum.

Stage 4: Differentiating

Advanced: Complex services, reduced divide.

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 2: Opportunistic

Informal: Scattered support, no national framework.

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 3: Systematic

Recognition: Functional data protection authority, regulation.

Stage 1: Basic

No recognition: Tech not policy consideration.

Stage 4: Differentiating

Promotion: Adaptive taxation, national IP protection.

Stage 3: Systematic

Recognition: Enacted law, limited enforcement.

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

Transformational: Widespread digital payments, local currencies.

Stage 5: Transformational

Federated: Inclusive system, citizens/businesses/entities.

Stage 4: Differentiating

Accessible: Governance, data use, decision-making.