Personal profile


Dr Lindsey Appleyard is an economic geographer with interests in money and finance and how this shapes people and places. Lindsey’s research is policy focused and broadly based around the concept of financial exclusion and inclusion of consumers, as well as commercial and social enterprises. Her recent research is funded by the AHRC and explores ‘responsible lending and borrowing’ from a spectrum of lenders, including mainstream sources such as banks and alternative sources such as Credit Unions, amongst moderate and low-income households. Lindsey is currently supervising a number of Doctoral Researchers that are exploring financial education and financial capability. Prior to joining CBiS, Lindsey held research roles in the Centre on Household Assets and Savings Management (CHASM) at the University of Birmingham and in the School of Geography, University of Nottingham. Lindsey completed her ESRC sponsored PhD on access to enterprise finance at the University of Birmingham in 2007.

Area of Expertise:

Financial inclusion and exclusion

Research Interests

Financial geographies; Mainstream and alternative finance

Vision Statement

I am interested in financial inclusion and how financial products and services can be fairer for consumers and enterprises. 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

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.

  • 2 Similar Profiles
finance Social Sciences
education Social Sciences
Business education Business & Economics
Great Britain Social Sciences
lending Social Sciences
enterprise Social Sciences
geography Social Sciences
Financialization Business & Economics

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

Research Output 2009 2017

3 Citations

Payday lending in the UK: the regul(aris)ation of a necessary evil?

Rowlingson, K., Appleyard, L. & Gardner, J. Jul 2016 In : Journal of Social Policy. 45, 3, p. 527-543

Research output: Contribution to journalArticle

Open Access
welfare provision

Responsible Lending in the UK: What Role Does the State Play?

Rowlingson, K., Gardner, J. & Appleyard, L. 1 May 2016 Comparative perspectives of Consumer Over-indebtedness : A view from the UK, Germany, Greece and Italy. Ferretti, F. (ed.). Eleven International Publishing, p. 105-124 20 p. (European and International Insolvency Law Studies (EIILS); vol. 3)

Research output: Chapter in Book/Report/Conference proceedingChapter

1 Citations

The variegated financialization of sub-prime credit markets

Appleyard, L., Rowlingson, K. & Gardner, J. 30 Jun 2016 In : Competition & Change. 20, 5, p. 297-313

Research output: Contribution to journalArticle

Open Access
Qualitative analysis
Everyday life
9 Citations
Open Access
Great Britain
community development

Activities 2012 2017

External Assessor

Appleyard, L. (Examiner)
1 Oct 201731 Dec 2018

Activity: Examination

Centre for Responsible Credit Annual Conference

Appleyard, L. (Invited Speaker)
28 Feb 2017

Activity: Participation in conference

Journal of Economic Geography (Journal)

Appleyard, L. (Peer Reviewer)

Activity: Publication peer-review

Competition & Change (Journal)

Appleyard, L. (Peer Reviewer)

Activity: Publication peer-review


Coventry University App Competition 2017

Lindsey Appleyard (Recipient), 5 Apr 2017

Prize: Prize (including medals and awards)

Press / Media

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

Lindsey Appleyard


1 media contribution

Press / Media: Public Engagement Activities

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

Lindsey Appleyard


1 item of media coverage

Press / Media: Expert Comment

How breaking up RBS would help rebalance the UK economy

Lindsey Appleyard


1 item of media coverage

Press / Media: Expert Comment