Dr. Lindsey Appleyard
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.
- Appleyard, L., Rowlingson, K., and Gardner, J. (2016) ‘Variegated financialization of sub-prime credit markets’. Competition & Change [in press]. Available from http://dx.doi.org/10.1177/1024529416657488
- Rowlingson, K., Appleyard, L., and Gardner, J. (2016) ‘Payday lending in the UK: the regul(aris)ation of a necessary evil?’. Journal of Social Policy. [in press] Available from http://dx.doi.org/10.1017/s0047279416000015
- Appleyard, L. (2015) ‘How breaking up RBS would help rebalance the UK economy’. The Conversation [online], 5 March 2015. [23/09/2015]
- Appleyard, L., Rowlingson, K., and McKay, S. (2015) 'Financial Inclusion'. In Defence of Welfare II. Ed. by Foster, L., Brunton, A., Deeming, C., and Haux, T. Bristol: Policy Press, 36-38.
- Appleyard, L. Gardner, J., and Rowlingson, K. (2015) 'Introducing a Time Delay on Access to Credit: Is it Just Delaying the Inevitable?’. Birmingham: Centre on Household Assets and Savings Management.
- Appleyard, L. (2011) ‘Community Development Finance Institutions (CDFIs): Geographies of Financial Inclusion in the US and UK’. Geoforum 42 (2) 250-258
- Appleyard, L. (2013) ‘The Geographies of Access to Enterprise Finance: The Case of the West Midlands, UK’. Regional Studies 47 (6), 868-879.
- Appleyard, L., and Rowlingson, K. (2013) ‘Children and financial education: challenges for developing financial capability in the classroom’. Social Policy and Society 12 (4) 507-520.
- Hall, S., and Appleyard, L. (2012) ‘Financial Business Education and the Remaking of Gendered Investment Banking Subjects in the (Post-crisis) City of London’. Journal of Cultural Economy 5 (4) 457-472.
- Hall, S., and Appleyard, L. (2011) ‘Trans-local academic credentials and the (re)production of financial elites’. Globalisation, Societies and Education, Special Issue: International/Transnational Spaces of Education 9 (2) 247-264.
- Appleyard, L., and Rowlingson, K. (2011) ‘Housing and economic inequality’. in Housing and Inequality. Ed. by Sim, D., and Anderson, I. Coventry: Chartered Institute Housing/Housing Studies Association.
- Appleyard, L., and Rowlingson, K. (2010) Home ownership and the distribution of personal wealth: A review of the evidence. Joseph Rowntree Foundation, Housing Market Taskforce.
- Responsibilities, Ethics and the Financial Crisis. The project will explore the impact of the global financial crisis on the way that the risks of consumer lending, including mortgage lending, were spread - notably through a market in securitized debt; overconfidence in the strength of house prices; and conflicts of interest among institutional lenders and those responsible for analysing credit risks. The financial crisis is particularly important in the UK, where financial services constitute one of the largest economic sectors and one of the biggest sources of tax revenue.