• 106 Citations
  • 6 h-Index
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Personal profile


Dr Lindsey Appleyard is a social scientist with research interests around financial geographies, specialising in financial inclusion and inclusive economies. Lindsey’s recent research has focused on responsible lending and borrowing, subprime credit, financial capability and financial citizenship. She makes an academic contribution by providing nuanced understandings of the ‘lived experience’ of financialization. Through Lindsey’s networks and collaborations, her body of research aims to make a significant impact on the economy and society by influencing policy and practice. Lindsey has successfully been awarded funding for research and impact from a range of sources, including RCUK, Barrow Cadbury Trust, Carnegie Trust UK 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, and Environment and Planning A. Lindsey is also a co-founder and Director of Credit U.

Area of Expertise:

Financial Inclusion, Inclusive Economies, Alternative Finance, Subprime Credit, Financialization, Financial Capability

Research Interests

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

Vision Statement

I am interested in financial inclusion and how financial products and services can be fairer for consumers. This is so that people can access appropriate, affordable financial products so that they may build financial security for themselves and their communities. My aim is to undertake rigorous qualitative research that generates impact within and beyond academia.


Education/Academic qualification

Doctorate, University of Birmingham

External positions

Director, Credit U

External Associate Member of CHASM, University of Birmingham


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

Fingerprint Fingerprint is based on mining the text of the person's scientific documents to create an index of weighted terms, which defines the key subjects of each individual researcher.

finance Social Sciences
lending Social Sciences
cultural economy Earth & Environmental Sciences
welfare provision Earth & Environmental Sciences
community development Social Sciences
geography Social Sciences
business education Social Sciences
credit Social Sciences

Network Recent external collaboration on country level. Dive into details by clicking on the dots.

Research Output 2009 2019

Foreign direct investment
Intellectual property rights
Research agenda
Multinational enterprises
Location decision

An Examination of the Antecedent and Corollary of Personal Financial Planning: The Need for Early Education

Sekhon, H., Kharouf, H., Appleyard, L. & Muhammad Fazal e Hasan, S., 1 Mar 2018, In : Social Business. 8, 1, p. 65-75 11 p.

Research output: Contribution to journalArticle

Financial planning
Financial services

Payday Denied: Exploring the lived experience of declined payday loan applicants

Appleyard, L., Packman, C. & Lazell, J., 23 Nov 2018, 42 p.

Research output: Book/ReportCommissioned report

Open Access

Responsible Borrowing and Lending

Gardner, J., Rowlingson, K. & Appleyard, L., Sep 2018, In : International Journal on Consumer Law and Practice . 6, p. 14-28 15 p.

Research output: Contribution to journalArticle

legal policy

Responsible Lending in Practice: A Training Tool

Rowlingson, K., Appleyard, L. & Sorell, T., 2018, 4 p.

Research output: Other contribution

Activities 2012 2018

Centre for Responsible Credit and Financial Health Exchange

Lindsey Appleyard (Invited Speaker)
25 Apr 2018

Activity: Participating in or organising an eventParticipation in conference

Environment and Planning A (Journal)

Lindsey Appleyard (Peer Reviewer)
Jan 2018

Activity: Publication peer-review and editorial workPublication peer-review

Regional Science and Urban Economics (Journal)

Lindsey Appleyard (Peer Reviewer)

Activity: Publication peer-review and editorial workPublication peer-review

Financial Inclusion: priorities for policy following the financial exclusion committee

Lindsey Appleyard (Speaker)
18 Jul 2017

Activity: Talk or presentationInvited talk

Review of Social Economy (Journal)

Lindsey Appleyard (Peer Reviewer)

Activity: Publication peer-review and editorial workPublication peer-review


Coventry University App Competition 2017

Lindsey Appleyard (Recipient), 5 Apr 2017

Prize: Prize (including medals and awards)

Credit unions
Intellectual property

FBL Excellence Awards 2018 - Research Team

Lindsey Appleyard (Recipient), Sally Dibb (Recipient) & Nick Henry (Recipient), 12 Sep 2018

Prize: Prize (including medals and awards)


Press / Media

Blue Monday and Debt

Lindsey Appleyard


1 media contribution

Press/Media: Expert Comment

Wonga’s collapse and what it means for the people who rely on payday loans

Lindsey Appleyard


1 media contribution

Press/Media: Public Engagement Activities

You've got to fight! For your right! ... to fair banking

Lindsey Appleyard


1 media contribution

Press/Media: Public Engagement Activities

UK savers have least knowledge of pension charges, study finds

Lindsey Appleyard, Harjit Sekhon & Husni Kharouf


1 item of media coverage

Press/Media: Research

What are credit unions and how can they beat payday lenders?

Lindsey Appleyard


1 item of media coverage

Press/Media: Expert Comment