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 4: Differentiating

Convenient: Extended, reliable, majority covered.

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 5: Transformational

Dynamic Legal Framework: Enforced tailored regulation, FOI used, accessible government data.

Stage 2: Opportunistic

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

Stage 2: Opportunistic

Regulate & forget: Outdated IP law, some competition.

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 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 3: Systematic

Digitalized: Machine-readable records, workflows set.

Stage 4: Differentiating

Accessible: Governance, data use, decision-making.