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Senior Lecturer in Economics and Personal Finance, The Open University

I am an economist specialising in personal finance, previously working in stockbroking, then as head of money research at Which? before running my own contract research and journalism business for 25 years, writing some 30 books on personal finance along the way. I now combine working as an academic with freelance work. Knowlege exchange work includes working as an independent consumer representative on the Finance and Leasing Association (FLA) Consumer Code Group, FLA Stakeholder Advisory Panel and the Open Banking Implementation Entity Consumer Forum. I am a Senior Fellow of the Higher Education Academy and Associate Member of the Chartered Institute for Securities and Investments.

Research interests
Systems of pension provision; theorising and evaluating financial capability; causes of, and remedies for, consumer detriment in retail financial markets; consumer interface with the tax system; and retail financial regulation in the UK. Jointly responsible for the Financial Innovation and Equity theme in the IKD Research Centre and member of the True Potential Centre for the Public Understanding of Finance (PUFin).


  • –present
    Lecturer in Personal Finance, The Open University


  • 2012 
    Open University, MSc Social Research Methods
  • 1978 
    London School of Economics, BSc (Hons) (Econ)