Introduction to Micro-Credentials
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                        Definition, History, Best Practices
12. Challenges of Micro-Credentials
Oliver (2019) points out the following challenges of micro-credentials for stakeholders:
- Learners - not fully engaged, unsure of the benefits of micro-credentials
 - Employers - not aware of micro-credentials and what they are. Can they be trusted?
 - Providers - struggling with funding models - how would they make money to at least break even.