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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.
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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
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As at June, more than 70 per cent of Singaporeans have yet to use their SkillsFuture Credit top-up
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.

