In response to "How Can We Improve?"
\"The Singapore University of Technology and Design (SUTD) and Ecole 42 in Paris, France signed a Memorandum of Understanding (MOU) today to collaborate on setting-up a tuition-fee free Continuing Education and Training (CET) programme focused on programming in Singapore. \" There is an existing concept in Singapore and I understand there are also government subsidies to greatly reduce the upfront costs. Maybe one thing that the team can consider is to be a landscape analysis of possible pathways by govt and other companies and why your pathway is preferred for your user. In Indonesia, there is a startup that did well with a similar concept - https://danacita.co.id/company/about-us/ could be helpful to read up about it or even speak to someone from their team. However, I believe the economics and business context in Indonesia differs greatly from that in Singapore. Maybe one thing that the team can consider is to do more research if such a model would have demand in Singapore. for both investors and users. also, to start off such a model, you would need a significant pool of funds and it takes quite some time for the returns and funds to be \"recycled\" back into the pool. on thing for the team to consider is that your company might not be profitable for the first few years. also, if the default rate is high, your company might also face additional financial difficulties.