Martin’s expertise lies in using research and advocacy to engage commercial, regulatory, government and civil society organisations to create change for consumers. He’s held a range of positions, all with the common objective of placing low income and vulnerable consumers at the heart of policy-making within essential services.
Whilst at the Financial Conduct Authority, he created its model for engaging with consumer groups as well as its consumer vulnerability programme, leading to nationwide changes for consumers. At the Big Lottery Fund he led the creation of its £31.7 million financial capability and inclusion programme.
Most recently Martin’s work as Director of Fair By Design centred on eliminating the poverty premium – the extra costs poorer people pay for essential services like insurance, credit, payments and energy. The poverty premium is now at the top of political and regulatory debates around fairness in essential services. Martin’s work has led to tangible changes in policy and practice to tackle the poverty premium and increase financial inclusion in the UK.
Martin is regularly consulted by regulators, government departments, select committees, MPs, political advisers, businesses, and civil society organisations both nationally and internationally.