How can lifelong learning, including continuous training within the labour market, be enabled and who will pay for this?

How can lifelong learning, including continuous training within the labour market, be enabled and who will pay for this? Looking forward to 2025 and 2040 how might this evolve?
There is a growing need to increase skill levels to make sure that as the population gets older people remain healthy and productive. This review considers how to support lifelong learning, what challenges are faced and how this could be financed.