The Joint Regulatory Oversight Committee’s (JROC’s) recommendations for the next phase of Open Banking in the UK provide some long-awaited clarity for the ecosystem. Open Banking Expo’s Ellie Duncan is joined by Tom Burton, director of external affairs and public policy at GoCardless, Stephen Wright, head of regulation and standards at NatWest’s Bank of APIs, and TrueLayer’s head of public policy Jack Wilson to assess what it means for the future of OBIE, and how the industry can meet the most imminent deadlines. How do JROC’s recommendations progress the work already being done on variable recurring payments? Which organisation has overall accountability? What wasn’t covered in the recommendations that they would like to have seen?