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Martin Upton

BA (East Anglia), MA (East Anglia), MPhil (Leeds)

Mr Martin  Upton

Profile summary

Professional biography

Martin joined The Open University Business School's Centre for Financial Management in July 2004. Previously he worked for seventeen years in the financial services industry, including twelve years as Treasurer of the Nationwide Building Society. Prior to that Martin worked in local government (Coventry City Council) and higher education (University of Aston and Leeds Polytechnic).

Martin was Director of the True Potential Centre for the Public Understanding of Finance (PUFin) from 2013 until 2018.

Martin's main teaching and research interests are UK financial services, financial markets, treasury management and balance sheet risk management.

Martin is currently working on the production and presentation of various modules for the MSc in Finance..

Martin has produced a series of 12 personal finance and risk management courses for OpenLearn and FutureLearn.

Martin also supervises PhD students.

With Professor Janette Rutterford and Dr Devendra Kodwani, Martin co-edited the B821/B854 course reader Financial Strategy; (2nd edition, Wiley, 2006). He contributed a chapter to this publication on the subject of fixed rate mortgages in the UK.

Additionally Martin was an academic consultant for the 2013 BBC2 series 'Bankers'. He has also produced research papers for the BBC's Money Programme on payment protection insurance and bank charges, media briefs on the UK housing market and has been a panellist on Radio 4's Moneybox programme commenting on developments in the financial markets and on UK interest rates. Martin has also been a regular contributor to the blog accompanying the Money Programme - see his views on the UK housing market, boiler rooms, the Northern Rock crisis, buy-to-let, bank charges (2006 and 2007) and payment protection insurance.

Martin regularly undertakes external presentations on treasury and financial markets issues. Martin has for several years run treasury workshops for the Building Societies Association (BSA). From 2010 to 2013 Martin was also a non-executive director and Vice Chairman of the Shepshed Building Society.



Research interests

Interested in the financial markets, the housing market in the UK, funding and capital management in the UK mortgage lending sector and regulation of the financial services industry. I am a regular contributor to the blog accompanying the Money Programme.


Learning to live with fixed rate mortgages: an evolutionary approach to risk management (2006-02)
Upton, Martin
In: Rutterford, Janette; Upton, Martin and Kodwani, Devendra eds. Financial Strategy (2nd Edition) (pp. 285-301)
ISBN : 0-470-01655-8 | Publisher : Wiley | Published : UK

Financial Strategy (2nd Edition) (2006-02)
Rutterford, Janette; Upton, Martin and Kodwani, Devendra eds.
ISBN : 470016558 | Publisher : John Wiley and Sons Ltd | Published : Chichester, UK

Why A Change In Financial Behaviour Does Not Always Trigger A Change In Financial Well-Being? (2019-06-01)
Nguyen-Cousin, Tam; Upton, Martin and Roby, Helen
In : World Social Marketing Conference 2019 (4-5 Jun 2019, Edinburgh, Scotland)

Non-compliance, board structures and the performance of financial firms during crisis: UK Evidence (2016-06-01)
Ahmad, Sardar; Kodwani, Devendra and Upton, Martin
In : International Finance and Banking Society (IFABS), Risk in Financial Markets and Institutions: New challenges, New solutions (1-3 Jun 2016, Universitat Autònoma de Barcelona (UAB), Casa Convalescència, Barcelona)