Stage 3: Systematic

Elective: Basic skills widespread, optional school learning.

Stage 4: Differentiating

Advanced: Complex services, reduced divide.

Stage 3: Systematic

Accepting: Trial-error, active use, known channels.

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 4: Differentiating

Strategic: Inclusive vision, some shared adoption.

Stage 4: Differentiating

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

Stage 4: Differentiating

Integrated digitalization: Centralized, redesigned, data-centric.

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 1: Basic

No recognition: No IP law, static taxation, telecom monopoly.

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 1: Basic

Stagnant: Limited graduates, outdated curriculum, lack of engagement.

Stage 5: Transformational

Advocate: Embedded ethics, evolving standards, proactive advocacy.

Stage 3: Systematic

Systematic: Prepaid, mobile money, no bank account.

Stage 4: Differentiating

Integrated: Govt-business linked IDs, data protection.

Stage 5: Transformational

Open: Optimized model, public data, structured API.