Ms Jonquil Lowe

Professional biography

I am an economist specialising in personal finance, previously working in stockbroking, then as head of money research at Which? before running my own contract research and journalism business for 25 years, writing some 30 books on personal finance along the way. I now combine working as an academic with freelance practitioner work.

Knowlege exchange work includes working as an independent consumer representative on the Finance and Leasing Association (FLA) Consumer Code Group, FLA Stakeholder Advisory Panel and the Open Banking Expert Consumer Group. I am a Senior Fellow of the Higher Education Academy and Associate Member of the Chartered Institute for Securities and Investments..

orcid.org/0000-0001-5828-3195

Research interests

Systems of pension provision; theorising and evaluating financial capability; causes of, and remedies for, consumer detriment in retail financial markets; consumer interface with the tax system; and retail financial regulation in the UK. Member of the Centre for Public Understanding of Finance, Institutions and Networks (PUFin).

A repository of research publications and other research outputs can be viewed at The Open University's Open Research Online. .

Books (selected)

Lowe, J. (2024) Be Your Own Financial Adviser, Harlow: Pearson Education. https://shepherd.com/best-books/insights-for-managing-your-money-wisely

Ring, P., Lowe, J. and Liu, L. (2024) Global Pension Challenges. Pensions, saving and retirement in the twenty-first century, London, Routledge.

Lowe, J. (ed) (2024) The Good Retirement Guide, London, Kogan Page (ranked best retirement planning book by Financial-Expert.co.uk).

Luu, L., Lowe, J., Ring, P. and Sahota, A. (eds) (2021) A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion, London, Routledge.

Lowe, J., Luu, L. and Butler, J. (2019) Essential Personal Finance. A Practical Guide for Employees, London, Routledge.
Luu, L., Lowe, J., Butler, J. and Byrne, A. (2017) Essential Personal Finance: A Practical Guide for Students, London, Routledge.

As a contributor (selected)

Lowe, J. (2022) 'Applying investment theory to practice' in Grable, J.E. and Chatterjee, S. (eds) De Gruyter Handbook of Personal Finance, De Gruyter.

Lowe, J., (2022) 'Where to go for advice' in Tolley's Finance and Law for the Elderly Client, LexisNexis Butterworth.
Lowe, J., (2022) 'Equity release' in Tolley's Finance and Law for the Elderly Client, LexisNexis Butterworth.
 

Teaching interests

I am co-investigator in two scholarship projects investigating the impact of generative AI on assessment and the curriculum. One project is ongoing; the final report for the other (funded by the NCFE Assessment Innovation Fund) is available here:

Developing robust assessment in the light of Generative AI (2024): https://law-school.open.ac.uk/research/developing-robust-assessment-light-generative-ai-developments?nocache=66c2faf57efb4

Module Team production member DD320 Doing Economics: environment, inequalities and innovation

Former external Examiner, Glasgow Caledonian University.

Former Module Team co-chair of production, D217 Running the Economy

Former Module Team Chair of production and joint-Chair of presentation, DD226 Economics in Practice.
Former Module Team Co-chair of production, DB125 You and Your Money.
Fomer Qualification Lead of Foundation Degree/Dip HE in Financial Services (now taught out).
Former Faculty Employability Lead.
Former Module Team Chair of presentation, DB234 Personal Investment in an Uncertain World (taught out).
Former Module Team Chair of production, DD209 Running the Economy.
Former Module Team production member, DB234 Personal Investment in an Uncertain World (taught out).
Former Module Team production and presentation member, DB123 You and Your Money (taught out).

Co-author of Future Learn MOOC, Challenging Wealth and Income Inequality.

Former tutor on DB125 and DB123

Impact and engagement

Member of the Policy Advisory Group, Women's Budget Group.
Independent consumer member of Finance and Leasing Authority Consumer Code Group and Stakeholder Advisory Panel.
Independent consumer member of Open Banking Expert Consumer Group 
Oral and written evidence to Parliamentary Public Bill Committee here
Oral and written evidence to House of Lords Financial Exclusion Committee here