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Featured researches published by Lindsey Appleyard.


Journal of Cultural Economy | 2012

FINANCIAL BUSINESS EDUCATION

Sarah Hall; Lindsey Appleyard

In this paper, we reveal the neglected role of business education in legitimizing and performing gendered discourses in financial services work in Londons financial district. In particular, by combining research on gendered subjectivities in elite labour markets with Foucauldian-inspired cultural economy research on the processes of financial subjectification, we argue that business education played an important role in performing discourses of idealised investment banking subjects who embodied essentialised masculine qualities during the period of rapid financialized growth in the 2000s. We then examine the temporary fragility of these ‘masters of the universe’ by exploring how the power of investment banking subjects was momentarily destabilised as the global financial crisis was scripted in public discourse as being caused in part by the dominance of hyper-masculine investment bankers. By focusing on the relationship between educational practices and the gendered nature of financial services work, our analysis responds to calls to develop a more politically engaged cultural economy of finance by raising normative questions concerning the financial subjectivities that could, or should, be called forth within the post-crisis international financial system.


Globalisation, Societies and Education | 2011

Trans-local academic credentials and the (re)production of financial elites

Sarah Hall; Lindsey Appleyard

This paper examines the ways in which credentials from a range of education providers are used to (re)produce transnational financial elites in Londons international financial district. Extant research has examined the long-standing relationship between educational background and entry into these financial labour markets. Far less attention has been paid to how the relationship between education and financial elites has changed more recently as financial labour markets have become increasingly transnational in nature and education and learning increasingly extend beyond higher education into the workplace. In response, this paper combines work on transnational elite labour markets with work from the sociology of education on the intersection between work and workplace education in order to understand the different strategies used by individuals (from both the UK and overseas) to acquire a range of credentials following their first degree in an effort to advance their careers within contemporary financial services labour markets. We argue that this research reveals the comparatively neglected trans-local qualities of workplace learning and education as individuals acquire both international and local academic credentials in what are often assumed to be global elite labour markets. The paper concludes by considering the implications of this research for work on the role of education in the (re)production of transnational elites more generally.


Journal of Social Policy | 2016

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

Karen Rowlingson; Lindsey Appleyard; Jodi Gardner

Concern about the increasing use of payday lending led the UKs Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have generally been welcomed as a way of curbing ‘extortionate’ and ‘predatory’ lending, this paper presents a more nuanced picture based on a theoretically-informed analysis of the growth and nature of payday lending combined with original and rigorous qualitative interviews with customers. We argue that payday lending has grown as a result of three major and inter-related trends: growing income insecurity for people both in and out of work; cuts in state welfare provision; and increasing financialisation. Recent reforms of payday lending do nothing to tackle these root causes. Our research also makes a major contribution to debates about the ‘everyday life’ of financialisation by focusing on the ‘lived experience’ of borrowers. We show that, contrary to the rather simplistic picture presented by the media and many campaigners, various aspects of payday lending are actually welcomed by customers, given the situations they are in. Tighter regulation may therefore have negative consequences for some. More generally, we argue that the regul(aris)ation of payday lending reinforces the shift in the role of the state from provider/redistributor to regulator/enabler.


Competition and Change | 2016

The variegated financialization of sub-prime credit markets

Lindsey Appleyard; Karen Rowlingson; Jodi Gardner

The ‘financialization of everyday life’ is a concept widely recognized by academics as an increasingly fundamental way of understanding the impact of neoliberal ideologies and financial processes on individual identities, subjectivities and relationships with financial services. This article contributes to debates on the consumption of sub-prime credit and calls for a sophisticated analysis of this aspect of financialization to take into account the variegated use of financial services and use of credit by people on low and moderate incomes. Drawing on qualitative analysis of the ‘lived experience’ of financialization, based on rigorous in-depth interviews with 44 low/middle income borrowers in the United Kingdom the article concludes that: individuals are at risk of financial insecurity due to increasing variegation of credit markets, and; that the binaries of ‘super inclusion’/’relic’ financial ecologies fail to reflect the complexity and variegation of credit use in contemporary society as a result of financialization.


Journal of Economic Geography | 2009

‘City of London, City of Learning’? Placing Business Education within the Geographies of Finance

Sarah Hall; Lindsey Appleyard


Regional Studies | 2013

The Geographies of Access to Enterprise Finance: The Case of the West Midlands, UK

Lindsey Appleyard


Geoforum | 2011

Community Development Finance Institutions (CDFIs): Geographies of financial inclusion in the US and UK

Lindsey Appleyard


Archive | 2010

Home-ownership and the distribution of personal wealth

Lindsey Appleyard; Karen Rowlingson


Social Business | 2018

An examination of the antecedent and corollary of personal financial planning: The need for early education

Harjit Sekhon; Husni Kharouf; Lindsey Appleyard; Syed Muhammad Fazal e Hasan


Social Business | 2018

Responsible personal finance: Three fundamental questions

Lindsey Appleyard; Sally Dibb

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Sarah Hall

University of Nottingham

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