Reasons For Underspend Communication Government schemes are poorly communicated. Parents don’t know what they’re entitled to, or how funds can be used. Low tech There is no means of using government funding at point of check-out. Funds can only be sent by bank transfer. Multi-scheme There are two key schemes: childcare vouchers and the new tax free childcare scheme, which has a very low adoption. Employer role Employers, who previously supported parents through childcare vouchers are unable to do so with the new scheme.