Research Interests

John's main area of interest is empirical banking and specific issues pertaining to bank behaviour, risk, performance and regulation in Europe, Japan and the United States. He has a particular interest in financial cooperatives where he has: published numerous articles and commentaries on credit unions (in Ireland, UK and the US), and cooperative banks (in Europe and Japan); written commissioned reports for the Scottish Government, the UK Financial Conduct Authority, the South African Reserve Bank, credit union trade associations and think tanks (including the Filene Institute); and advised the Irish Government. Other research interests include industrial organization and the economics of small business enterprises.

Books

The Oxford Handbook of Banking, 4th edition, Oxford University Press, forthcoming 2025 (with Allen Berger & Phil Molyneux).

Banking: A Very Short Introduction (Uzbek translation). Oxford: Oxford University Press, forthcoming 2025 (with John Goddard).

Banking: A Very Short Introduction (Chinese translation). Oxford: Oxford University Press, 2022 (with John Goddard).

The Oxford Handbook of Banking, 3rd edition (paperback edition), Oxford University Press, 2022 (with Allen Berger & Phil Molyneux)

Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges, Routledge, 2021 (with George Panos & Chris Adcock)

The Oxford Handbook of Banking, 3rd edition, Oxford University Press, 2019 (with Allen Berger & Phil Molyneux).

The Oxford Handbook of Banking, 2nd edition (Chinese Translation), Oxford University Press, 2019 (with Allen Berger & Phil Molyneux)

The Oxford Handbook of Banking, 2nd edition (paperback edition), Oxford University Press, 2017 (with Allen Berger & Phil Molyneux)

Industrial organization: Competition, Strategy and Policy, 5th edition. Financial Times, Prentice Hall, 2017 (with John Lipczynski & John Goddard).    

Banking: A Very Short Introduction. Oxford: Oxford University Press, 2016 (with John Goddard).

Contemporary Issues in Financial Institutions and Markets, volume 3 Routledge, 2016 (with Barbara Casu & Daniela Fabbri).

Financial modelling after the 2008 financial crisis: where next? London: Palgrave, 2016 (with Emmanuel Haven, Phil Molyneux; Sergei Fedotov & Meryem Fethi).

The Oxford Handbook of Banking, 2nd Edition, Oxford University Press, 2015 (with Allen Berger & Phil Molyneux).

The Oxford Handbook of Banking, Oxford University Press, Serbian Translation, 2015 (with Allen Berger & Phil Molyneux).

Contemporary Issues in Financial Institutions and Markets, volume 2 Routledge, 2014 (with Claudia Girardone & Philip Hamill).

Contemporary Issues in Financial Institutions and Markets, Routledge, 2013 (with Barbara Casu & David McMillan).

Industrial organization: Competition, Strategy and Policy, 4th edition. Financial Times, Prentice Hall, 2013 (with John Lipczynski & John Goddard).    

Industrial Organization: Competition, Strategy and Policy, 3rd edition. Financial Times, Prentice Hall, Greek translation, 2012 (with John Lipczynski & John Goddard).   

The Oxford Handbook of Banking (paperback edition), Oxford University Press, 2012 (with Allen Berger & Phil Molyneux).

Banking: Critical Concepts in Finance (Editor), London: Routledge, 2011.

Industrial organization: Competition, Strategy and Policy, 3rd edition. Financial Times, Prentice Hall, Italian translation 2010 (with John Lipczynski & John Goddard).    

The Oxford Handbook of Banking, Oxford University Press, 2010 (with Allen Berger & Phil Molyneux).

Industrial organization: Competition, Strategy and Policy, 3rd edition. Financial Times, Prentice Hall, 2009 (with John Lipczynski & John Goddard).    

European Banking: Technology, Efficiency and Growth. Chinese Edition. John Wiley & Sons, 2006 (with Phil Molyneux & John Goddard).  

Industrial organization: Competition, Strategy and Policy, 2nd Edition. Financial Times, Prentice Hall, 2005 (with John Lipczynski & John Goddard).  

Economics of Business Strategy. Financial Times, Prentice Hall, 2004 (with John Lipczynski).

European banking: Technology, Efficiency and Growth. John Wiley & Sons, 2001 (with Phil Molyneux & John Goddard).  

Industrial Organisation: An Analysis of Competitive Markets. Financial Times, Prentice Hall, 2001 (with John Lipczynski).    

Reports for Government and Government Agencies

'Bank Business Model Identification, Evolution and Outcomes: Evidence for South Africa', South Africa Reserve Bank (SARB) Working Paper Series, 2024, WP/24/06 (with Anna Sobiech, Linh Nguyen & Lechandari Kgari)

‘Future Issues in Unsecured Lending’ ­UK Financial Conduct Authority, 2017 (with Jose Linares Zegarra).

‘Future Issues in Bank Taxation’ UK Financial Conduct Authority, 2017 (with Anna Sobiech & Dimitris Chronopoulos).

Landscape Review of Credit Unions in Northern Ireland. Belfast: Department for the Communities, 2017 (with Declan French, Donal McKillop & Barry Quinn).

Credit Unions in Scotland. Edinburgh: Scottish Government, 2008 (with Donal McKillop). 

Interim Report of the Commission on Credit Unions. Dublin: Ministry of Finance, October 2011 (with Donal McKillop, Kieron Brennan, Fiona Cullen, Billy Doyle, Eileen Fitzgerald, Eamonn Kearns, Aidan Carrigan, Tom McCarthy, Tim Molan, Robert Moynihan, James O’Brien, Daniel J. O’Gorman & Joe O Toole).

Overview of Alternative Structural Models and the Future Credit Union Structure in Ireland, December 2011.

Final Report of the Commission on Credit Unions. Dublin: Ministry of Finance, April 2012 (with Donal McKillop, Kieron Brennan, Fiona Cullen, Billy Doyle, Eileen Fitzgerald, Aidan Carrigan, Tom McCarthy, Tim Molan, Robert Moynihan, James O’Brien, Daniel J. O’Gorman & Joe O Toole).

 Reports to Professional Bodies

The Good, the Bad and the Ugly: A Discussion of the Impact of Regulatory Reform on the UK Credit Union Sector. Edinburgh: Institute of Chartered Accountants Scotland, 2010 (with Donal McKillop & Anne Marie Ward).

Credit Union Governance in Canada and the United States. Madison: Filene Institute, 2012 (with Peter Goth & Donal McKillop).

Factoring and commercial finance in the United Kingdom. Brussels European Federation of Factoring and Commercial Finance, 2014 (with Jose-Linares-Zegarra)

Irish Credit Unions: A Viability Analysis. Dublin: Credit Union Development Association & Irish League of Credit Unions, 2024 (with Donal McKillop, Anna Sobiech & Dimitris Chronopoulos).

 Journal Articles 

'Proximity to bank headquarters and branch efficiency: evidence from mortgage lending' Journal of Money Credit & Banking, forthcoming (with Ivan Lim, Linh Nguyen & Louis Nguyen)

'Access to Finance for UK Social Enterprises' European Journal of Finance, forthcoming (with Jose Linares Zegarra).

'Navigating Uncertainty: The Resilience of Third Sector Organizations and Socially-oriented SMEs during the COVID-19 Pandemic' Financial Accountability & Management, 2024, 40(3), 282-307  (with Jose Linares Zegarra).

‘Audit committee oversight and bank financial reporting quality’  Journal of Business Finance & Accounting, 2024, 51, 657–687 (with Dimitris Chronopoulos & Lemonia Rempoutsika).

‘Competition and bank dividends’  Journal of International Money & Finance, 2023, 137, article 102898 (with Dimitris Chronopoulos, Edie Johari, Bert Scholtens, Anna Sobiech, Muhammed Yilmaz)

‘Who consumes the credit union tax subsidies?’ Journal of Financial Stability, 2023, 69, article 101176 (with John Goddard and Donal McKillop)

‘Stakeholder orientation and bank payout policy: evidence from US constituency statutes' British Journal of Management, 2023, 34(3), 1440-1458 (with Dimitris Chronopoulos & Muhammed Yilmaz). YouTube discussion at: https://youtu.be/485ctxJIfsM.

‘Organizational Culture, competition and bank loan loss provisioning’ European Journal of Finance, 2023, 29(4), 393-418 (with Hiep Luu & Linh Nguyen).

‘Payouts and Future Bank Profitability: The Role of Capital Distribution Plans’  Review of Corporate Finance, 2023, 3(3), 361-387 (with Edie Johari, Dimitris Chronopoulos & Anna Sobiech).

‘Regulatory Oversight and Bank Risk Journal of Financial Stability, 2023, 64, article 101105 (with Dimitris Chronopoulos & Muhammed Yilmaz).

‘Innovation and Borrower Discouragement in SMEs' Small Business Economics, 2022, 59, 1489–1517  (with Ross Brown & Jose Linares Zegarra).

‘Deposit Insurance and credit union lending’ Journal of Financial Stability, 2022, 60, article 101003  (with Hiep Luu, Linh Nguyen, Tuan Le, Vinh Vo & Tram-Anh Nguyen).

'Ancient Colonialism and the Economic Geography of the Mediterranean’ Journal of Economic Geography, 2021, 21(5), 717–759 (with Dimitris Chronopoulos, Sotiris Kampanelis & Daniel Oto Peralias). 

'Social Capital and the Business Models of Financial Cooperatives: Evidence from Japanese Shinkin Banks, Financial Accountability & Management, 2021, 37, 460-480 (with Dimitris Chronopoulos & Anna Sobiech). 

‘The Real Effects of Bank Taxation: Evidence for Corporate Financing and Investment' Journal of Corporate Finance, 2021, 69, article 101989  (with Dimitris Chronopoulos & Anna Sobiech).

‘Liquidity Regulation and  Lending' Journal of Corporate Finance, 2021, 69, article 101997  (with Foly Ananou, Dimitris Chronopoulos & Amine Tarazi).

'Deposit Insurance and Bank Dividend Policy' Journal of Financial Stability, 2020, 48, article 100745 (with Dimitris Chronopoulos, Edie Johari, Bert Scholtens & Anna Sobiech). 

‘Banks and the Real Economy: An Assessment of the Research’ Journal of Corporate Finance, 2020, 62, article 101513 (with Allen Berger & Phil Molyneux). 

‘How does Credit Supply React to a Natural Disaster? Evidence from the Indian Ocean Tsunami’ European Journal of Finance, 2020, 26, 802-819 (with Linh Nguyen).

‘Cooperative Financial Institutions: A Review of the Literature’ International Review of Financial Analysis, 2020, 71, article 101520 (with Declan French, Donal McKillop, Barry Quinn & Anna Sobiech).

'Consumer Spending Responses to the Covid-19 Pandemic: An Assessment of Great Britain’ Covid Economics, 2020, 34, 145-186 (with Dimitris Chronopoulos & Marcel Lukas). 

'Financial Literacy and Responsible Finance in the FinTech era: Capabilities and Challenges', European Journal of Finance, 2020, 26, 297-301 (with Georgios Panos).

‘The (Potential) Impact of Brexit on UK SMEs: Regional Evidence and Public Policy Implications’ Regional Studies, 2019, 53, 761-770 (with Ross Brown & Jose Linares Zegarra).

‘Sticking it on Plastic: The Spatial Dynamics of Credit Card Finance in UK Small and Medium Sized Enterprises’ Regional Studies, 2019, 53, 630–643 (with Ross Brown & Jose Linares Zegarra).

‘The Australian Bank Levy: Do Shareholders Pay?’ Finance Research Letters, 2019, 28, 412-415 (with Dimitris Chronopoulos & Anna Sobiech).

‘The Size and Growth of Microfinance Institutions’ with British Accounting Review, 2018, 50, 199-213 (with Jose Linares Zegarra).

‘Contemporary Issues in Banking', Editorial, British Accounting Review, 2017, 49, 117-121 (with Phil Molyneux).

‘Integration, Productivity and Technological Spillovers: Evidence for Eurozone Banking Industries’ European Journal of Operational Research, 2016, 255, 971-983 (with Barbara Casu, Alessandra Ferrari & Claudia Girardone). 

‘Earnout Financing in Mergers and Acquisitions in the US Financial Services Industry’ International Review of Financial Analysis, 2016, 47, 119-132. (with Leonidas Barbopoulos & Phil Molyneux).

‘Regulatory Change and Capital Adjustment of Cooperative Financial Institutions’  Journal of Financial Services Research, 2016, 50, 29-55 (with Donal McKillop & John Goddard). 

‘Credit Unions as Cooperative Institutions: Distinctiveness, Performance and Prospects’ Social and Environmental Accounting Journal, 2015, 35, 96-112 (with Donal McKillop).

‘Does Debt Affect Health? Cross Country Evidence on the Debt-Health Nexus’ Social Science & Medicine, 2015, 130, 21-28 (with Maya Clayton & Jose Linares Zegarra).

‘Dynamics of US Bank Profitability’ European Journal of Finance, 2015, 21, 426-443 (with Fiona McMillan, Hong Liu & Dimitris Chronopoulos).

‘Emerging Issues in Financial Institutions and Markets, European Journal of Finance, 2014, 20,847-849 (with Barbara Casu & Daniella Fabbri).

‘Credit Card Interest Rates and Risk: New Evidence from US Survey Data’ European Journal of Finance, 2014, 20, 892-914 (with Jose Linares-Zegarra).

‘Comment on Banks’ Liquidity and the Cost of Liquidity to Corporations’, Journal of Money, Credit & Banking, 2014, 46, 47-52.

‘The Size Distribution of US Banks and Credit Unions’ International Journal of the Economics of Business, 2014, 21, 139-156 (with John Goddard, Hong Liu & Donal McKillop).

‘US Credit Unions: Survival, Consolidation and Growth’ Economic Inquiry, 2014, 52, 304-319 (with Donal McKillop & John Goddard). 

‘Co-operative Bank Efficiency in Japan: A Parametric Distance Function Analysis’ European Journal of Finance, 2014, 20, 291-317 (with Colin Glass, Donal McKillop & Barry Quinn).

'Contemporary Issues in Financial Institutions and Markets', Editorial, European Journal of Finance, 2013, 19, 811-814 (with Claudia Girardone & Philip Hamill).

‘Exchange Rate Risk and the Equity Performance of Financial Intermediaries: Evidence from an International Sample’ International Review of Financial Analysis, 2013, 29, 271-282 (with Dimitris Gounopoulos, Phil Molyneux, Sotiris Staikouras & Henry Zhaogang). 

‘Do Bank Profits Converge?’ European Financial Management, 2013, 19, 345-65 (with Phil Molyneux, John Goddard & Hong Liu). 

‘Competition and Stability in European Banking: A Regional Analysis’ Manchester School, 2013, 81, 176-201 (with Hong Liu & Phil Molyneux).

‘Competition and Risk in Japanese Banking’, European Journal of Finance, 2013, 19, 1-18 (with Hong Liu).

‘Financial Sector Performance and Risk’, Editorial and introduction, Journal of Economic Behaviour and Organization, 2013, 85, 118-122 (with Phil Molyneux & Shahid Ebrahim).

‘Economic conditions and Risk Taking in European Banking’, Papeles de Economia Española (Spanish Economic Papers), 2012, 130, 1-13 (with Phil Molyneux).

‘Contemporary Issues in Financial Institutions and Markets’, Editorial, European Journal of Finance, 2011, 17, 765-768 (with Barbara Casu & David McMillan).

‘The Persistence of Bank Profit’ Journal of Banking & Finance, 2011, 35, 2881-2890 (with Phil Molyneux, John Goddard & Hong Liu).

‘Credit Unions: A Theoretical and Empirical Overview’ with Financial Markets, Institutions & Instruments, 2011, 20, 79-123 (with Donal McKillop).

‘Credit unions in Great Britain: Recent Trends and Current Prospects’, Public Money and Management, 2011, 31, 35-42 (with Donal McKillop & Ann Marie Ward).

‘Credit Unions in U.K and Northern Ireland’ Cooperazione di Credito, 2010, 202, 69-84 (with Donal McKillop & Ann Marie Ward).

‘The Profitability of Banks in Japan’ Applied Financial Economics, 2010, 20, 1851-1866 (with Hong Liu).

‘Emerging Themes in Banking: A Review of Recent Literature and Directions for Future Research’ British Accounting Review, 2010, 42, 153-169 (with Barbara Casu, Claudia Girardone & Phil Molyneux). 

‘The Financial Crisis in Europe: Evolution, Policy Responses and lessons for the future’ Journal of Financial Regulation & Compliance, 2009, 17, 362-380 (with John Goddard & Phil Molyneux).

‘Which Credit Unions Are Acquired?’ Journal of Financial Services Research, 2009 36, 231–252 (with Donal McKillop & John Goddard). 

‘Competition in Banking: A Disequilibrium Approach’, Journal of Banking & Finance 2009, 33, 2282-2292 (with John Goddard).

‘Capital Adequacy Ratios and Capital Regulation of US Credit Unions’ Bancaria -Journal of the Italian Bankers Association, 2009, July/August, 43-55 (with Donal McKillop & John Goddard).

‘The Crisis in UK banking: Lessons for Public Policy’, Public Money and Management, 2009, 29, 276-284 (with John Goddard & Phil Molyneux).

‘Racial Discrimination in English Professional Football: Evidence from an Empirical Analysis of Players’ Career Progression’ Cambridge Journal of Economics, 2009, 33, 295-316 (with John Goddard). 

‘Sources of Variation in Company Profitability and Growth’, Journal of Business Research, 2009, 62, 495-508 (with Manouche Tavakoli & John Goddard).

‘The Diversification and Financial Performance of US Credit Unions’ Journal of Banking & Finance, 2008, 32, 1836-1849 (with Donal McKillop & John Goddard).

‘What Drives Performance Differences across Cooperative Financial Institutions? Evidence for US Credit Unions’, Applied Financial Economics, 2008, 18, 879-893 (with John Goddard & Donal McKillop).

‘Dividends, Prices and the Present Value Model: Firm-Level Evidence’, with European Journal of Finance, 2008, 14, 195-210 (with David McMillan & John Goddard). 

‘Measuring Competition in Banking’, Einaudi Institute for Economics and Finance Papers, 2008, 08/08 (with John Goddard).

‘Financial Exclusion: What is it, why does it matter and what’s being done about it?’, Public Management and Policy Association Review, September 2007, 32, 12-13 (with Donal McKillop).

‘Corporate Growth and Profitability in the Long-Run’, Journal of Accounting and Finance, 2007, 5, 19-26 (with David McMillan).

‘Developments in European Banking’, Journal of Banking & Finance, 2007, 31, 1906-1910 (with Phil Molyneux).

‘European Banking: An Overview’, Journal of Banking & Finance, 2007, 31, 1911-1935 (with Phil Molyneux, John Goddard & Manouche Tavakoli).

‘Financial Exclusion’, Public Money and Management, 2007, 27, 9-12 (with Donal McKillop).

‘The Development of Credit unions and their Role in Tackling Financial Exclusion,’ Public Money and Management, 2007, 27, 37-44 (with Ann-Marie Ward & Donal McKillop).

‘Are Football Referees really Biased and Inconsistent? Evidence on the Incidence of Disciplinary Sanction in the English Premier League’, Journal of the Royal Statistical Society, Series A, 2007, 170, 231-250 (with Peter Dawson, Stephen Dobson & John Goddard). 

‘Do Firm Sizes and Profit Rates Converge? Evidence on Gibrat’s Law and the Persistence of Profits in the Long Run’, Applied Economics, 2006, 38, 267-78 (with David McMillan & John Goddard).

‘Dividend Smoothing versus Dividend Signalling: Evidence from UK firms’, Managerial Finance, 2006, 32, 493 - 504 (with David McMillan & John Goddard).

‘Determinants of Profitability in European Manufacturing and Services: Evidence from a Dynamic Panel Model’, Applied Financial Economics, 2005, 15, 1269-1282 (with Manouche Tavakoli & John Goddard). 

‘US Credit Unions: An Empirical Investigation of Size, Age and Growth’, Annals of Public & Cooperative Economics, 2005, 76, 375-406 (with John Goddard).

‘Co-operative Financial Institutions: An Introduction’, Managerial Finance, 2005, 31, 1-5 (with Donal McKillop).

‘Panel Unit Root Tests of the Size and Growth of Large US Credit Unions’, Managerial Finance, 2005, 31, 36-49 (with John Goddard & Donal McKillop).

‘Current Issues in Financial Exclusion’, Public Management and Policy Association Review, June 2005, 30, 13-15 (with Donal McKillop).

‘Dynamics of Growth and Profitability in Banking’, Journal of Money, Credit and Banking, 2004, 36, 6, 1069-1090 (with Phil Molyneux & John Goddard).

‘The Profitability of European Banks: A Cross-Sectional and Dynamic Panel Analysis’, Manchester School, 2004, 72, 3, 363-381 (with Phil Molyneux & John Goddard).

‘Credit unions in Great Britain: A time for change’, Public Money and Management, 2003, 23, 119-123 (with Donal McKillop). 

‘Panel tests of Gibrat’s Law for Japanese manufacturing’, International Journal of Industrial Organization, 2002, 20, 415-433 (with John Goddard & Peter Blandon). 

‘The Growth of US Credit Unions’, Journal of Banking & Finance, 2002, 22, 2327-2356 (with Donal McKillop & John Goddard). 

‘Cross Sectional and Panel Tests of Convergence’, Economics Letters, 2001, 70, 327-333 (with John Goddard).

‘League Structure and the Demand for Attendance in English Rugby League’, International Review of Applied Economics, 2001, 15, 335-351 (with Stephen Dobson & John Goddard). 

‘Policy Choices for Credit Unions’, Social Policy Focus, 2001, 1, 9-10 (with Huw Davies).

‘The Size and Growth of Banks: Evidence from Four European Countries’, Applied Economics, 2000, 32, 9, 1101-1109 (with Jon Williams).

‘The Size and Growth of UK Manufacturing and Service Firms’, Service Industries Journal, 2000, 20, 2, 25-38 (with Jeanne Morris).

‘The Persistence of Profit: A New Empirical Interpretation’, International Journal of Industrial Organization, 1999, 17, 663-687 (with John Goddard).

‘Persistence of Profits for UK Manufacturing and Service Sector Firms’, Service Industries Journal, 1996, 16, 105-117 (with John Goddard). 

Book chapters

Cooperative Banking Organizations, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking, 4th edition, forthcoming. Oxford: Oxford University Press (with Donal McKillop & Anna Sobiech).

Traditional, New, and Longer-Term Views of Banking In the 21st Century, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking, 4th edition, forthcoming. Oxford: Oxford University Press (with Allen Berger & Phil Molyneux). 

Banking in the First Quarter of the 21st Century in Historical Perspective,  in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking, 4th edition, forthcoming. Oxford: Oxford University Press (with Allen Berger & Phil Molyneux).

Banking: Ten year since the crisis, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking 3rd edition, 2019. Oxford: Oxford University Press (with Phil Molyneux & Allen Berger).

Banking In Europe:  Integration, Reform and the Road to a Banking Union, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking, 3rd edition, 2019. Oxford: Oxford University Press (with Phil Molyneux & John Goddard).

Ownership in European banking, in Beck, T. and Casu, B. (eds.) Handbook of European Banking. Basingstoke: Palgrave, 2017 (with Donal McKillop & John Goddard).

Banking in a Post-Crisis World, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking 2nd edition, 2015. Oxford: Oxford University Press (with Phil Molyneux & Allen Berger).

Banking in the European Union: Crisis, Deregulation and Renewal, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds.) Oxford Handbook of Banking, 2nd edition, 2015. Oxford: Oxford University Press (with Phil Molyneux and John Goddard).

Competition in Banking: Measurement and Interpretation, in Bell, A.R. Brooks, C. Prokopczuk, M. (eds.) Handbook of Research Methods and Applications in Empirical Finance, 2013. Edward Elgar Publishing (with Hong Liu & Phil Molyneux).

Social, environmental, ethical and trust issues in banking in Barth, J. Clas Wilhborg, Chen Lin (eds.) International Handbook of Corporate Governance in Banking, 2012 (with Andreas Hoepner).

The Bosman Ruling and Labour Mobility in Football, in Shmanske, S.  & Kahane, L., (eds.) Oxford Handbook of Sport, 2012. Oxford: Oxford University Press (with John Goddard & Peter Sloane). 

Banking: An Overview, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds), Oxford Handbook of Banking, 2010. Oxford: Oxford University Press (with Phil Molyneux & Allen Berger).

Banking in the European Union, in Berger, A., Molyneux, P. & Wilson, J.O.S. (eds), Oxford Handbook of Banking, 2010. Oxford: Oxford University Press (with Phil Molyneux & John Goddard).

‘Health care tax relief and the demand for private health care for the over 60s’, (With Manouche Tavakoli) in Tavakoli, Manouche, Davies, Huw & Malek, Mo (eds.), Health Policy and Economics. 2001 Ashgate Publishing Limited.

Instructor Manuals 

Instructor manual to accompany Industrial organization: Competition, Strategy, Policy, 5th Edition. Financial Times, Prentice Hall, 2017 (with John Lipczynski & John Goddard).    

Instructor manual to accompany Industrial organization: Competition, Strategy, Policy, 4th Edition. Financial Times, Prentice Hall, 2013 (with John Lipczynski & John Goddard).    

Instructor manual to accompany Industrial organization: Competition, Strategy, Policy, 3rd Edition. Financial Times, Prentice Hall, 2009 (with John Lipczynski & John Goddard).    

Instructor manual to accompany Industrial organization: Competition, Strategy, Policy, 2nd Edition, Financial Times, Prentice Hall, 2005 (with John Lipczynski & John Goddard).    

Instructor manual to accompany Economics of Business Strategy. Financial Times, Prentice Hall, 2004 (with John Lipczynski).

Instructor manual to accompany Industrial Organization: An analysis of competitive markets. Financial Times, Prentice Hall, 2001 (with John Lipczynski).    

Corporate Finance 1: A Study Guide. London: Institute of Financial Studies, 2008 (with David McMillan).

Corporate Finance 2: A Study Guide. London: Institute of Financial Studies, 2009 (with David McMillan).

Other Publications

'The impact of Brexit on the internationalisation, innovation and turnover of UK SMEs: Implications for the UK’s industrial strategy and the 'levelling up' agenda' ERC Policy Briefing, July 2023 (with Jose Linares Zegarra).

'The impact of Brexit on the internationalisation, innovation and turnover of UK SMEs: Implications for the UK’s industrial strategy and the 'levelling up' agenda' ERC Research Paper, 105, July 2023 (with Jose Linares Zegarra).

'Gender, Ethnicity, and Access to Finance: Evidence for UK Social Enterprises', ERC Policy Briefing, October 2022 (with Jose Linares Zegarra).

'Gender, Ethnicity, and Access to Finance: Evidence for UK Social Enterprises', ERC Research Paper Number 102, October 2022 (with Jose Linares Zegarra).

'SMEs as Social Enterprises: Regional Disparities, Access to Finance, Strategic Intentions, and the COVID-19 Pandemic’ ERC Policy Briefing, May 2022 (with Jose Linares Zegarra).

SMEs as Social Enterprises: Regional Disparities, Access to Finance, Strategic Intentions, and the COVID-19 Pandemic’  ERC Research Paper Number 97, May 2022 (with Jose Linares Zegarra).

'The Economic Impact of Ancient Colonisation' VoxEU at:  https://voxeu.org/article/economic-impact-ancient-colonisation 9th January 2021 (with Dimitris Chronopoulos, Sotiris Kampanelis & Daniel Oto Peralias).

'Is the banking sector safer than during the global financial crisis?' Economics Observatory, June 2020 at: https://www.coronavirusandtheeconomy.com/topics/banks-financial-markets (with Phil Molyneux).

'Real Time Consumer Spending Responses to the COVID-19 Crisis and Government Lockdown’ VoxEU at: https://voxeu.org/article/real-time-consumer-spending-responses-lockdown 6th May 2020 (with Dimitris Chronopoulos & Marcel Lukas).

'Consumer Spending Responses to the COVID-19 Pandemic: An Assessment of Great Britain' ERC Research Paper Number 87, April 2020 (with Dimitris Chronopoulos & Marcel Lukas).

'What we learned from the financial crisis of 2008' OUP Blog, November 2019 at: https://blog.oup.com/2019/11/what-learned-financial-crisis-2008/ (with Allen Berger & Phil Molyneux) 

‘Over a million UK businesses see Brexit as major obstacle to success’ The Conversation, March 2019 (with Ross Brown).

‘Discouraged Borrowers: Measurement, Determinants and Impact’ ERC State of the Art Review, September 2018 (with Ross Brown & Jose Linares Zegarra).

‘An Empirical Examination of Discouraged Borrowers in the UK’ ERC Policy Briefing, May 2018 (with Ross Brown & Jose Linares Zegarra).

‘An Empirical Examination of Discouraged Borrowers in the UK’ ERC Research Paper Number 69, May 2018 (with Ross Brown & Jose Linares Zegarra).

‘Brexit’s impact on small businesses: did the experts get it right?’ The Conversation, January 2018 (with Ross Brown).

‘Future Issues in Unsecured Lending’ ­UK Financial Conduct Authority, 2017 (with Jose Linares Zegarra).

‘Future Issues in Bank Taxation’ UK Financial Conduct Authority, 2017 (with Anna Sobiech & Dimitris Chronopoulos).

'How much capital' OUP Blog, January 2017, (with John Goddard).

Book Review: Too Little, Too Late: The Quest to Resolve Sovereign Debt Crises edited by Martin Guzman, Jose Antonio Ocampo, & Joseph E. Stiglitz, Journal of Economic Literature, 2016, 54, 

‘Credit unions: A Global Perspective,’ International Accountant, June 2011, 27-29 (with Anne Marie Ward & Donal McKillop).

‘Do Bank Profits Converge?’ Istituto Luigi Einaudi per gli Studi Bancari Finanziari e Assicurativi (IstEin), Working Paper 2010, Number 1 (with Hong Liu, John Goddard & Phil Molyneux). Research Project: European Banking Competition. Available at: www.istein.eu/. 

‘The Persistence of Bank Profit’, Istituto Luigi Einaudi per gli Studi Bancari Finanziari e Assicurativi (IstEin), Working Paper 2010, Number 2 (with Hong Liu, John Goddard & Phil Molyneux). Research Project: Research Project: European Banking Competition. Available at: www.istein.eu/. 

‘Competition and Stability in European Banking: A Regional Analysis’, Istituto Luigi Einaudi per gli Studi Bancari Finanziari e Assicurativi (IstEin), Working Paper 2010, Number 9 (with Hong Liu & Phil Molyneux). Research Project: European Banking Competition. Available at: www.istein.eu/. 

‘Measuring Competition and Stability: Recent Evidence for European Banking,’ Istituto Luigi Einaudi per gli Studi Bancari Finanziari e Assicurativi (IstEin), Working Paper 2010, Number 10 (with Hong Liu & Phil Molyneux). Research Project: European Banking Competition. Available at: www.istein.eu/.

‘The Good, The Bad and The Ugly’, Chartered Accountant, October 2010 (with Donal McKillop & Anne Marie Ward).

‘Four million people cannot be left behind: the Financially excluded in the United Kingdom,’ Society Today, June 2007.

‘Competitive Advantage,’ in Bailey, J. and Clegg, S. (eds) International Encyclopedia of Organization Studies. London: Sage, 2007.

‘Is bank growth random? Testing the Law of Proportionate Effect in European Banking’, Research Papers in Banking & Finance, 1997, 97/15. Institute of European Finance (with John Goddard & Phil Molyneux). 

Responses to Government Consultations

Response to the HM Treasury Consultation on Financing Growth in Innovative Firms, September 2017 (with Ross Brown).

Response to UK Parliament Call for Evidence on Impacts of COVID-19 on Scotland, June 2020. Written evidence published by the Scottish Affairs Committee 8th September 2020 (with Dimitris Chronopoulos and Marcel Lukas).