Now experts have to be obliged (3)
I believe the answer is:
owe
'be obliged' is the definition.
(I've seen this in another clue)
'now experts have' is the wordplay.
'have' indicates the answer is hidden within the clue.
'OWE' is hidden within 'now experts'.
'to' is the link.
(Other definitions for owe that I've seen before include "have favours to return" , "Have obligation to pay" , "Be obliged to pay" , "Ben in debt" , "overdrawn" .)