Martin Upton




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 is Director of the True Potential Centre for the Public Understanding of Finance (PUFin).

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

Martin is currently Chair of Introduction to Financial Services (BD131) a component module for the Open University's Foundation Degree in Financial Services. Additionally he is Production Chair for 'Introduction to Corporate Finance' (B858), a compulsory module for the Business School's new MSc in Finance and a Production Team Member for 'Advanced Management Accounting' (B392). 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.

More info:

E.g., 2016-10-22
E.g., 2016-10-22
E.g., 2016-10-22
Oct 24th 2016

Explore the links between investment theory and practice. Examine investment strategies and performance. How do experts manage? Research shows that UK households are poor at investment management with a limited understanding of investment choices, risks and returns. The resultant ‘savings gap’ threatens a scenario where many cannot afford to retire. Elsewhere households fail to plan properly to make their investment choices fit with their risk appetites and the time horizons for access to their funds. Finance Fundamentals: Investment Theory and Practice aims to give you the tools to avoid these personal finance nightmares.

Average: 10 (1 vote)
Sep 12th 2016

This course explores household assets (investments and property) and liabilities (debts) and examines how these should be managed. Finance Fundamentals: Managing the Household Balance Sheet starts by looking at borrowing and debts. We get to grips with the factors that drive interest levels.We look at the differences between ‘good’ debts and ‘bad’ debts and at the way lenders credit score those seeking to borrow money.

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Aug 22nd 2016

Gain the skills to manage your investments: analyse portfolio risk and plan your pension, with this free online course.

Average: 4 (12 votes)
Aug 15th 2016

With household budgets feeling the pinch this course shows how to bring order to your finances and make good financial decisions.

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Jun 6th 2016

Gain the skills to manage your personal finances: managing budgets, debts, investments, property purchase, pensions and insurance. With real incomes falling and personal debt at a record high, there has never been a better time to improve your personal financial skills – ‘Managing my money’ aims to do just that.

Average: 5.6 (9 votes)
Apr 25th 2016

Take a journey around the UK financial marketplace: how has it changed following the financial crisis and subsequent reforms? The dramatic events of the financial crisis in the late 2000s transformed the UK financial services industry. Long established institutions went out of business, others were forced into takeovers and only the intervention of governments worldwide - courtesy of eye-watering financial recovery packages - prevented the banking industry from implosion.

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