For subscribers

From credit to culture: Why learning can’t just be incentivised

Singapore has spent nearly a decade making learning affordable. The next challenge is to make it a habit.

Sign up now: Get ST's newsletters delivered to your inbox

SkillsFuture Credit gives every adult a tangible reason to learn, but a culture of learning depends not just on financial nudges, but also on motives, meaning and mindset, says the writer.

SkillsFuture Credit gives every adult a tangible reason to learn, but a culture of learning depends not just on financial nudges, but also on motives, meaning and mindset, says the writer.

ST PHOTO: LIM YAOHUI

Kang Yang Trevor Yu

Follow topic:

As at June,

more than 70 per cent of Singaporeans have yet to use their SkillsFuture Credit top-up

that expires at the end of 2025. According to SkillsFuture Singapore (SSG), only around 28 per cent of eligible citizens had tapped the one-off $500 credit with about six months to go.

These figures are striking not because they signal policy failure, but because they highlight a deeper challenge: the difference between incentivising learning and cultivating a culture of learning. Singapore has made great strides in lowering barriers and offering opportunities. The next step is to make learning feel natural, personal and continuous.

See more on