Open Banking Expo's Ellie Duncan is joined by Duncan Barrigan, chief product and growth officer at GoCardless, which has been credited by the Open Banking Implementation Entity for taking the first variable recurring payment (VRP). Duncan explains how GoCardless is working with UK bank NatWest on VRPs and its non-sweeping VRP pilot. He also reveals what GoCardless' own research on the current cost-of-living crisis reveals about the value of sweeping use cases for consumers and businesses.