
Digital Transformation
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E-Government Services: Some services are now digital (e.g., e-tax filing, online passport appointments).
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Banking & Fintech: Mobile money (M-Pesa, EcoCash) is widely used. Online banking is growing but still limited for older and rural populations.
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Education: ICT labs exist in some schools and universities like NUL, but internet and device access remains unequal.
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