Higher Education Institutions (HEIs) are being asked to rise to the twin challenges of digitisation and greening the economy, to do it better by improving access and personalisation, and to do it cheaper given the economic imperatives of an aging population. Conventional study programmes are ill-suited to provide for this unprecedented acceleration in demand for specific skill sets and HEI processes the cannot keep up with the increasingly nuanced combinations of rapidly changing expectations posed by their students and the workplace. We believe that these challenges can be addressed by moving from structured degrees and courses to stacks of smaller credentials. Micro-credentials will allow students to assemble portfolios of learning from across institutions, piecing together a range of different competencies and areas of knowledge and skills that make up new forms of qualifications and align with employer requirements.