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.


Area of Expertise:


Financial Inclusion and Exclusion, 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

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.

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

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

Research Output 2009 2018

  • 81 Citations
  • 5 h-Index
  • 10 Article
  • 1 Chapter
  • 1 Other

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. 10 Jan 2018 (Accepted/In press) In : Social Business. (in press), p. (in press)

Research output: Research - peer-reviewArticle

Financial planning
Financial services

Assessing the effects of advertising and switching costs on customers' trust: A cross cultural study

Kharouf, H., Sekhon, H., Appleyard, L. & azal-E-Hasan, S. Jun 2017

Research output: Research - peer-reviewOther

4 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: Research - peer-reviewArticle

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: ResearchChapter

2 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: Research - peer-reviewArticle

Open Access
Credit markets
Financial services

Activities 2012 2018

Environment and Planning A (Journal)

Appleyard, L. (Peer Reviewer)
Jan 2018

Activity: Publication peer-review

Centre for Responsible Credit and Financial Health Exchange

Appleyard, L. (Invited Speaker)
25 Apr 2018

Activity: Participation in conference

Regional Science and Urban Economics (Journal)

Appleyard, L. (Peer Reviewer)

Activity: Publication peer-review

External Assessor

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

Activity: Examination


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

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

How breaking up RBS would help rebalance the UK economy

Lindsey Appleyard


1 item of media coverage

Press / Media: Expert Comment