Publications from CHASM

Andreou, P., Anyfantakiv, S. and Atkinson, A. (2023) Financial literacy for financial resilience: evidence from Cyprus during the pandemic period, Bank of Greece Working Paper 313

Appleyard, L. Packman, C. Lazell, J. and Aslam, H. (2023) ‘The Lived Experience of Financialization at the UK Financial Fringe', Journal of Social Policy, 52, 1, 24-45.

Atkinson, A., McKay, S. and Rowlingson, K. (2023) Financial Inclusion Annual Monitoring Report 2022: Results from a Survey of Adults in Great Britain (February 9, 2023).

Coffey, J., Senior, K., Haro, A., Farrugia, D., Threadgold, S. and Cook, J. et al. (2023) 'Embodying debt: youth, consumer credit and its impacts for wellbeing', Journal of Youth Studies, Online Early.

Coppack, M. (2023)Blog: Fair by Design – ending the extra costs of being poor. CHASM Financial Inclusion Monitor Blog Series. Perspective 2

Gardner, J. and Lainez, N. (2023) ‘The Regulation of Algorithmic Credit Scoring in Vietnam: What Can We Learn when Countries Operate in a Legal Limbo?’, Asian Journal of Law and Society (forthcoming)

Gardner, J. and Ramsey, I.) (2023) Landmark Cases in Consumer Law (Hart Publishing, forthcoming)

Gardner, J. (2023) ‘Are Holidays a Human Right? The Impact of Javis v Swan Tours’ in J. Gardner and I. Ramsay (Eds.) Landmark Cases in Consumer Law (Hart Publishing, forthcoming)

Gardner, J., Degeling, S and McGreechin, J.) (2023) ‘The Intersection of Consumer and Commercial Law: Merricks v Mastercard Inc’ in J. Gardner and I. Ramsay (Eds.) Landmark Cases in Consumer Law (Hart Publishing, forthcoming)

Gardner, J. and Gray, M.) (2023) 'The UK Debt Collection Industry: Why regulation isn’t enough’ in C. Stanescu (Ed.), Regulation of Abusive Informal Debt Collection (Routledge, forthcoming)

Gibbons, D. (2023) Blog: Improving the credit information “market” (24/2/2023)

Gibbons, D. (2023) Blog: Citizens Advice reveals debt adviser redundancies are now ‘increasingly likely’ (10/3/2023)

Gibbons, D. (2023) Blog: Why are debt advisers holding protests? (15/2/2023)

Giordono, L., Rothwell, D. W., Weber, B. and Giordono, L. (2023) The Oregon Earned Income Credit’s impact on child poverty. Journal of Poverty (forthcoming)

Görtz, C., McGowan, D. and Yeromonahos, M. (2023) Furlough and Household Financial Distress during the COVID-19 Pandemic, Oxford Bulletin of Economics and Statistics

May, M. Ed. with Lymer, A. and Sinfield, A. (2023, forthcoming) Taxation and Social Policy, Policy Press

May, M. with Lymer, A. and Sinfield, A. (2023, forthcoming) Conclusions: Taxation in a Social Policy Context, in Lymer, A., May, M. and Sinfield, A. (Eds.) Taxation and Social Policy, Policy Press

McHugh, N., Baker, R. and Bambra, C. (2023) Policy actors’ perceptions of public participation to tackle health inequalities in Scotland: a paradox?, International Journal for Equity in Health, 22, 57

McHugh, N., Biosca, O. and Donaldson, C. (2023) Social Finance and Health, Routledge (forthcoming)

Mullineux, A. (2023) What lessons can we learn from the Silicon Valley Bank (SVB) failure? University of Birmingham, Birmingham Business School Blog

Mullineux, A. (2023) Cash is back but who should pay for it in a digital banking world? University of Birmingham Business School Blog

Ögtem-Young, Ö. and Dwyer Baumann, M. (2023) ‘Displacement and Financial Inclusion: Financial Lives of Ukrainian Women Refugees in the UK, Romania and Moldova’, Journal of Ethnic and Migration Studies (forthcoming)

Ögtem-Young, Ö. (2023) ‘“I can either keep my house or eat”: Financial Precarity and Inequality in the Age of Cost Living Crisis’, Sociology (forthcoming)

Prabhakar, R. (2023) Blog: Show me the money – what is meant by financial inclusion? CHASM Financial Inclusion Monitor Blog Series. Perspective 1

Riitsalu, L. Atkinson, A. and Pello, R. (2023) The bottlenecks in making sense of financial well-being. International Journal of Social Economics

Rowlingson, K. (2023) ‘Wealth taxation: the case for reform’ in Taxation and Social Policy Edited by A. Lymer, M. May and A. Sinfield, Bristol: The Policy Press (forthcoming)

Stamp, S. (2023). Toward Good Practice: A Review of Money Advice Services and Debt Management Systems in Ireland, the United Kingdom, France and Germany. Geneva: The United Nations Research Institute for Social Development (UNRISD).

Suh, E. and James, H. (2023) ‘The social, cultural and economic influences on retirement saving for young adults in the UK’, in Hofäcker, D. and Kuitto, K (Eds.) Youth Employment Insecurity and Pension Adequacy. Cheltenham, UK; Massachusetts, US: Edward Elgar (Globalisation and Welfare), pp. 127–145.

Appleyard, L. (2022) Buy now pay later: how to protect consumers without regulating it out of existence. The Conversation,

Appleyard, L. (2002) Blog: Will the Energy Price Guarantee prevent households from falling into fuel poverty?

Atkinson, A. (2022) Financial Literacy Policy Trends. The International Review of Financial Consumers, 7, 2 (December), 13-20

Birkenmaier, J., Rothwell. D. W., Frey, J. and Spence Coffey, D. (2022). Introduction to the Special Issue on “Financial Capability and Asset Building for Family Financial Wellbeing”. Journal of Family and Economic Issues, 43, 647-653

Birkenmaier, J., Rothwell, D. W. and Ager, M. (2022) How is consumer financial capability measured? Journal of Family and Economic Issues, 43, 654-666

CHASM Annual Report 2022

Cook, J., Farrugia, D., Threadgold, S. and Coffey, J. (2022) The impact of pandemic-related loss of work on young adults’ plans, Journal of Youth Studies, Online Early.

Cuervo, H., Maire, Q., Cook, J. and Wyn, J. (2022) An analysis of the labour, financial and social impact of COVID-19 in young adults lives, Youth Research Collective, University of Melbourne.

Dibb, S., Appleyard, L., Money, N. and Jones, P. A. (2022) Managing Loan Declines: A Best Practice Manual. Swoboda Research Centre, Coventry University, Fair4All Finance.

Dibb, S., Broughton, K., Aslam, H., Appleyard, L. and Tiwasing, P. (2022) Helping those who use credit to make ends meet: A Rapid Literature and Evidence Review. Centre for Business in Society and Money and Pensions Service. Helping those who use credit to make ends meet - FinCap

Doling, J. (2022) Epilogue – Family Houses and Housing Families in Families, Housing and Property Wealth in a Neoliberal World, Edited by R. Ronald and R. Arundel, Routledge

Farrugia, D., Cook, J., Senior, K., Threadgold, S., Coffey, J., Davies, K. et al. (2022) Youth and the consumption of credit, Current Sociology, Online Early.

Farrugia, D., Coffey, J., Threadgold, S., Adkins, L., Gill, R., Sharp, M. and Cook, J. (2022) 'Hospitality work and the sociality of affective labour', The Sociological Review, 003802612211212-003802612211212.

Gardner, J. (2022) The Future of High-Cost Credit: Rethinking Payday Lending Hart Publishing, ISBN 9781509939350

Gardner, J. and Tham, C. (2022) ‘Debt Collection and Assignment of Debts: Navigating the Legal Maze’ in P. Davies and T. Cheng-Han (Eds.) Intermediaries in Commercial Law, Hart Publishing, ISBN 9781509949090

Garthwaite, K.,Patrick, R., Power, M., Tarrant, A. and Warnock, R. (Eds.) (2022) COVID-19 Collaborations: Researching poverty and low-income family life during the pandemic. Bristol: Policy Press.

Garthwaite, K., Patrick, R., Power, M. and Warnock, R. (2022) Research synthesis in times of crisis: Setting the agenda for mixed method, collaborative research on poverty in a post-pandemic world. International Journal of Social Research Methodology. Available at:

Gibbons, D. (2022) Consultation Response: Joint submission with Debt Justice to HM Treasury consultation concerning proposed Statutory Debt Repayment Plans. (5/8/2022)

Gibbons, D. (2022) Report: Independent Evaluation of Fair for You Trials with Iceland Foods (16/8/2022)

Gibbons, D. (2022) Blog: What roles does credit have in the cost-of-living crisis? (7/7/2022)

Gibbons, D. (2022) Blog: A new direction in the measurement of household debt burdens (5/8/2022)

Gibbons, D. (2022) Blog: Radical action now needed to avoid a winter of despair (26/8/2022)

Gibbons, D. (2022) Blog: FlexMyRent in the cost-of-living crisis (15/12/2022)

Gregory, J., Lymer, A. and Rowlingson, K. (2022) ‘Personal Savings for Those on Lower Incomes: Towards a New Framework for Assessing the Role of the State in Relation to Savings Schemes’, Social Policy and Society, 2022, Vol.21, 3, 336-351

Harrison, T. (2022) Financial Education Professional Learning for Teachers in Wales pathfinder Evaluation

Jaramillo, J., Kothari, B., Alley, Z., Rothwell, D. W. and Blakeslee, J. (2022) Youth-Caseworker relationship quality and academic resilience among transition-age youth in foster care. Child and Adolescent Social Work Journal.

Khalisharani, H., Johan, I. and Sabri, M (2022) The Influence of Financial Literacy and Attitude Towards Financial Behaviour Amongst Undergraduate Students: A Cross-Country Evidence, Journal of Social Sciences and Humanities, 30, 2, 449-474

Khalisharani, H., Sabri, M, Johan, I, Burhan, N and Yusof, A (2022) The Influence of Parental Financial Socialisation and Financial Literacy on University Student's Financial Behaviour, International Journal of Economics and Management, 16, 3, 351-364.

May, M. Ed. with Alcock, P., Haux, T. and McCall V. (2022) The Student’s Companion to Social Policy, 6^th edition, Wiley Blackwell

May, M. (2022) Comparative Social Policy, in Alcock, P. Haux, T., McCall, V. and May, M. (Eds.) The Student’s Companion to Social Policy, 6th edition, Wiley-Blackwell

May, M. (2022) Occupational Welfare, in Alcock, P. Haux, T., McCall, V. and May, M. (Eds.) The Student’s Companion to Social Policy, 6th edition, Wiley-Blackwell

McKay, S., Rowlingson, K. and Atkinson, A. (2022) Financial Inclusion: Annual Monitoring Report 2022. University of Birmingham. (10th and final commissioned report)

McKay, S. and Rowlingson, K. (2022) Want: Still the easiest giant to attack? Social Policy and Administration, 56, 2, 230-244, Special Issue on ‘Eighty years after the Beveridge Report: The Five Giants in the Twenty First Century’, edited by M. Powell and I. Greener

Moss, J., Rowlingson, K., and Lymer, A. (2022) ‘Exploring the barriers to accessing personal financial planning advice’ Journal of Financial Services Marketing

Mullineux, A. (2022) Blog: The taxing question

Mullineux, A. (2022) Blog: Why an inflation hit for the wealthy could prolong any recession and its impacts for all of us

Overton, L., Black, R. and Driscoll, B. (2022) Juggling work and care: the impact of reducing work on financial wellbeing.

Patrick, R., Power, M., Garthwaite, K., Page, G., Pybus, K. and Kaufman, J. (2022) A Year Like No Other: Family Life on a Low Income in COVID-19. Bristol: Policy Press. ISBN 978-1447364696

Rothwell. D. W. and Jud, A. (2022) On the relationship between economic inequality and child maltreatment: Takeaways from the special issue and future directions. Child Abuse and Neglect, 30, 4

Rothwell, D. W., Giodono, L. and Stawski, R. S. (2022). How much does context matter in emergency savings? Disentangling the individual and contextual contributions of the financial capability constructs. Journal of Family and Economic Issues, 4, 703-715

Rowlingson, K., Overton, L. and Cook, J. (2022) 'Housing and intergenerational relations: Family support and the mixed economy of housing in the UK', Families, Housing and Property Wealth in a Neoliberal World, 53-71

Stamp, S. and Joyce, P. (2022). For The Few But Not The Many? An analysis of Debt Relief Notices from a debtor perspective. Dublin: MABS Regions and the Citizens Information Board.

Suh, E. (2022) Can't save or won't save: Financial resilience and discretionary retirement saving among British adults in their thirties and forties. Ageing and Society, 42, 12, 2940-2967.

Angel, S. & Gregory, J. (2021) Does housing tenure matter? Owner-occupation and wellbeing in Britain and Austria, Housing Studies.

Baxter, K., Mann, R., Birks, Y. and Overton, L. (2021) A Scoping Review of Evidence on the Use and Effectiveness of Decision Aids in Adult Social Care. Journal of Long-Term Care, 100–113.

Gregory, J., Lymer, A. & Rowlingson, K. (2021) 'Personal savings for those on lower incomes: towards a new framework for assessing the role of the state in relation to savings schemes', Social Policy and Society.

Stamp, S. (2023). Toward Good Practice: A Review of Money Advice Services and Debt Management Systems in Ireland, the United Kingdom, France and Germany. Geneva: The United Nations Research Institute for Social Development (UNRISD).

Appleyard, L. (2020) ‘Banks and Credit’, in Knox-Hayes, J. and Wojik, D. (Eds) The Routledge Handbook of Financial Geography, Routledge.

Appleyard, L. and Dibb, S. (2020) Supporting greater financial wellbeing in a time of coronavirus, Coventry University Research Blog.

Biosca, O., McHugh, N., Ibrahim, F., Baker, R. Laxton, T. and Donaldson C. (2020) Walking a Tightrope: Using Financial Diaries to Investigate Day-to-Day Financial Decisions and the Social Safety Net of the Financially Excluded, The Annals of the American Academy of Political and Social Science, 689, 46-64.

Chilton, S., Jones-Lee, M., Metcalf, H., Nielsen, J., Baker, R., Donaldson, C., Mason, H., McHugh, N., McDonald, R. and Spackman M. (2020) A Scoping Study on the Valuation of Risks to Life and Health: The Monetary Value of a Life Year (VOLY), Health and Safety Executive, UK Government.

Cook, J. (2020) Keeping it in the family: understanding the negotiation of intergenerational transfers for entry into homeownership, Housing Studies.

Cook, J. (2020) Smoothing Rough Transitions: the Extensive Role of Family Assistance in Pathways into Homeownership, Journal of Applied Youth Studies.

Davis, A., Hecht, K., Hirsch, D, Burchardt. T, Gough, I., Summers, K and Rowlingson, K (2020) Living on Different Incomes in London: Can public consensus identify a ‘riches line’?, Trust for London.

Doling, J. and Arundel, R. (2020) The Home as Workplace, Working Paper No 43, Centre for Urban Studies, University of Amsterdam, May 2020

Doling, J. and Arundel, R. (2020) After the coronavirus pandemic: the home as a workplace and the new housing market, CHASM Briefing, University of Birmingham, June 2020.

McHugh N., Pinto-Prades J. L., Baker, R., Mason, H. and Donaldson C. (2020) Exploring the relative value of end of life QALYs: are the comparators important?, Social Science and Medicine, 245.

Prabhakar, R. (2020) Covid-19 and the Child Trust Fund.

Prabhakar, R. (2020), What do the reactions to Covid-19 show so far about financial inclusion?, Transforming Society blog.

Price, C., Barons, M., Garthwaite, K., & Jolly, A. (2020) The do-gooders and scroungers: examining narratives of foodbank use in online local press coverage in the West Midlands, UK. Journal of Poverty and Social Justice.

Power, M., Patrick, R., Garthwaite, K. and Page, G. (2020) COVID realities - everyday life for families on a low income during the pandemic, Covid Realities Write Up.

Wilson, R., Fraser, A., Kimmitt, J., Tan, S., McHugh, N., Lowe, T., Warner, M., Baines, S. and Carter E. (2020): Editorial: Whither Social Impact Bonds (SIBs): the future of social investment?, Public Money & Management, 40(3), 179-182.

Appleyard, L. and Dibb, S. (2019) Feeling financially squeezed? What we can do to develop financial wellbeing. Coventry University Research Blog.

De Clercq, B (2019) A comparative analysis of the OECD/INFE financial knowledge assessment using the Rasch model. Empirical Research in Vocational Education and Training. Vol 11 Number 8.

De Clercq, B (2019) The ‘Uberisation’ of e-Filing in South Africa. eJournal of Taxation Research. Volume 16 Number 3. pp. 440-473.

Doling, J. (2019) Asset-based welfare strategies and the ‘really big trade-off’, International Journal of Housing Policy.

Doling, J. and Ronald, R. (2019) ‘Not for housing’ housing: widening the scope of housing studies, Critical Housing Analysis, Volume 6, Issue 1, pp 22-31, Not for Housing’ Housing: Widening the Scope of Housing Studies.

Gardner, J. and Kariyawasam, K. (2019) Online Auctions and Consumer Protection in the United Kingdom and Australia: The Value of Transparency, Australian Business Law Review, 47 (4).

Gibbons, D. (2019) Mitigating the consequences of rising household debt (October 2019).

Giordono, L, Jones, M and Rothwell, D. W. (2019) Social policy perspectives on economic inequality in wealthy countries. Policy Studies Journal Yearbook. 47(S1), S96-118.

McHugh, N., Baker, R and Donaldson, C. (2019) Microcredit for enterprise in the UK as an ‘alternative’ economic space, Geoforum, 100, 80-88.

McHugh, N, Baker, R, Biosca, O, Ibrahim, F & Donaldson, C (2019) Who knows best? A Q methodology study to explore perspectives of professional stakeholders and community participants on health in low-income communities, BMC Health Services Research, 19(35), 1-13.

McHugh, N, Biosca, O, Baker, R, Ibrahim, F & Donaldson, C (2019) Innovating on Methods to Understand the Relationship Between Finances and Wellbeing, in Brulé, G and Suter, C Wealth(s) and Subjective Well-being, Springer.

McKay, S., Rowlingson, K. and Overton, L. (2019) Financial Inclusion Annual Monitoring Briefing Paper 2019. University of Birmingham research report for the Friends Provident Foundation and Barrow Cadbury Trust.

Pinto-Prades J. L., McHugh N., Donaldson C. and Manoukian, S. (2019) Sequence effects in time trade-off valuation of hypothetical health states, Health Economics, 28 (11), 1308-1319.

Prabhakar, R (2019) 'Increasing taxes on wealth. Lessons from the Welsh government reforms of council tax', IPPR Progressive Review 26 (1), 69-77.

Prabhakar, R (2019) ‘Should basic payment accounts be extended?’, Journal of Poverty and Social Justice, 27(1): 139-144.

Prabhakar, R (2019) ‘Financial Inclusion: a tale of two literatures’, Social Policy & Society, 18(1), 37-50.

Rogers, H & Closs-Davies, S (2019) Funding Prosperity: Creating a new Tax System in Wales, Policy Research Report, Federation of a Small Businesses (FSB) Wales.

Rothwell, D W, Ottusch, T & Finders, J (2019) Asset poverty among children: A cross-national study of poverty risk. Children and Youth Services Review. 96, 409-419.

Sinclair, S, McHugh, N & Roy, M (2019) Social innovation, financialisation and commodification: a critique of social impact bonds, Journal of Economic Policy Reform, 1-17.

Stamp, S & Kearns, M (2019) Accommodating Ethnicity: Addressing Energy Poverty Among Travellers, National Traveller MABS.

Tan, S, Fraser, A, McHugh, N & Warner, M (2019) Widening perspectives on social impact bonds, Journal of Economic Policy Reform, 1-10.

Tan, S, Fraser, A, McHugh, N and Warner, M (2019) Widening perspectives on social impact bonds, Journal of Economic Policy Reform, 1-10.

Van Aardt, C J, De Clercq, B and Meiring, J. (2019) The underlying, non-proximate and proximate determinants of happiness in South Africa: A microeconomic modeling approach. Journal of Economic and Financial Sciences. Volume 12 Issue 1.

CHASM Annual Report 2018

Alexander, P., Balavac, M., Mukherjee, S., Lymer, A. & Massey, D. (2018), ‘Improving tax literacy and tax morale of young adults’, End of project report for Chartered Institute of Taxation.

Appleyard, L & Dibb, S (2018) 'Responsible Personal Finance: Three Fundamental Questions'. Journal of Social Business, 8 (1) 57-63 DOI: 10.1362/204440818X15208755029564

Evans, C & Joseph, S (2018) ‘General Report: Improving Tax Compliance in a Globalized World’ in Improving Tax Compliance in a Globalised World, Evans C, Pistone P and Rust A (eds), IBFD, The Netherlands.

Fulda, B E & Lersch, P M (2018) ‘Planning Until Death Do Us Part: Partnership Status and Individual Financial Planning Horizon’. Journal of Marriage and Family 80 (2). 409–425. doi: 10.1111/jomf.12458

Gregory, J., Lymer, A., Espenlaub, S., Khurshed, A. and Mohamed, A. (2018) ‘Homes and wellbeing – breaking down housing stereotypes’, Research report for Vivid Homes.

Lang, R & Fink, M (2018) Rural social entrepreneurship: The role of social capital within and across institutional levels. Journal of Rural Studies, 1-17, DOI: 10.1016/j.jrurstud.2018.03.012

Lang, R & Stoeger, H (2018) The role of the local institutional context in understanding collaborative housing models: Empirical evidence from Austria. The International Journal of Housing Policy, 18(1), 35-54 http://dx.doi.org/10.1080/19491247.2016.1265265

Lersch, P M & Dewilde, C (2018) ‘Homeownership, Saving and Financial Wealth: A Comparative and Longitudinal Analysis’. Housing Studies published online. doi: 10.1080/02673037.2018.1424803

Lymer, A. and Oats, L. (2018) ‘Taxation: Policy and Practice 2018/19 (25th edition), Fiscal Publications, UK.

Lymer, A. (2018), ‘Nudging taxpayer behaviour’, Tax Adviser Magazine, April.

McKay, S. and Rowlingson, K. Financial Inclusion Annual Monitoring Briefing Paper 2018 and related infographics

Overton, L. and O’Mahony, L. (2018) Stakeholder Conceptions of Later-Life Consumer Vulnerability in the Financial Services Industry: Beyond Financial Capability? Journal of Consumer Policy, 41,3, 273-295

Overton, L., O’Mahony, L. and Gibson, M. (2018) ‘The emotional dimension of trading on home in later life: Experiences of shame, guilt and pride’ in S. Bahun and B. Petric (eds.) Thinking Home: Interdisciplinary Dialogues, London: Bloomsbury

Rowlingson, R & Packman, C (2018) 'Problem gambling in Birmingham. A rapid assessment report.' CHASM and Toynbee Hall Report

Roy, M, McHugh, N & Sinclair, S (2018) A Critical Reflection on Social Impact Bonds, Stanford Social Innovation Review

Sorell, T (2018) ‘Poverty, Exclusion, and the Design of Microfinance Institutions’ in Van Der Hoeven, J, Miller, S and Pogge, T (eds.) Designing In Ethics (Cambridge University Press), pp. 119-140

Stamp, S, McMahon, A & McLoughlin, C (2018) Left Behind in the Cold? Fuel Poverty, Money Management & Financial Difficulty Among Dublin 10 & 20 MABS Clients: 2013 and 2017. Dublin 10 & 20 Money Advice and Budgeting Service (2018).