Lindsey Appleyard


    Accepting PhD Students

    PhD projects

    Inclusive Economies; Alternative Finance; Financial Inclusion; Financial Capability; Financialization; Vulnerabilities; FinTech; Financial Wellbeing

    Calculated based on number of publications stored in Pure and citations from Scopus

    Research activity per year

    Personal profile


    Dr Lindsey Appleyard is an economic geographer with interdisciplinary research interests around financial geographies, specialising in financial inclusion and inclusive economies. Lindsey’s recent research has focused on reducing financial vulnerability, responsible lending and borrowing, credit and financial capability. She makes an academic contribution by providing nuanced understandings of the ‘lived experience’ of financialization. Lindsey adds value to the research enriched learning agenda through guest lectures, internships, teaching case studies and PGR supervision. Through Lindsey’s networks and collaborations, her body of research aims to make a significant impact by influencing policy and practice to develop financially resilient communities. Her research created a REF2021 impact case study. Since 2017, Lindsey has been successfully awarded over £900k of funding for research and impact as PI or Co-I from a range of sources, including UKRI’s ESRC and AHRC, abrdn Financial Fairness Trust, Barrow Cadbury Trust, Carnegie UK Trust and the Money Advice Service. Her research has been disseminated at a variety of international and national conferences (such as RGS-IBG, AAG) and has published widely in a peer-reviewed journals including: Journal of Economic Geography, Regional Studies, Journal of Business Research and Environment and Planning A. Through broadcast, print and social media, Lindsey has engaged with the public (including ITV Central News and BBC Radio 4). Lindsey takes an inclusive approach to research and has supported the development of Early Career Researchers and Postgraduate Researchers.  Lindsey is also founder and Director of Credit U. 


    Research Interests

    Financial Geographies; Financialization; Inclusive Economies, Alternative Finance, Subprime and Mainstream Credit, Financial Inclusion and Exclusion, Financial Capability, Financial Wellbeing, Vulnerabilities, FinTech

    Vision Statement

    I am interested in financial inclusion and reducing financial vulnerability. This is so that people can achieve financial wellbeing throughout their lives. My aim is to undertake rigorous qualitative research that generates impact within and beyond academia. I am also passionate about supporting the development of early career and postgraduate researchers.


    Expertise related to UN Sustainable Development Goals

    In 2015, UN member states agreed to 17 global Sustainable Development Goals (SDGs) to end poverty, protect the planet and ensure prosperity for all. This person’s work contributes towards the following SDG(s):

    • SDG 8 - Decent Work and Economic Growth

    Education/Academic qualification

    Doctorate, Overcoming financial exclusion: Community Development Finance Institutions (CDFIs) and the balancing of financial and social objectives, University of Birmingham

    Award Date: 1 Jul 2008

    External positions

    Director, Credit U

    External Associate Member of CHASM, University of Birmingham


    • G Geography (General)
    • Economic Geography
    • H Social Sciences (General)


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