Dr John Ashton

Division: Financial Studies

Location: Room 1.04, Hen Goleg

Telephone: 01248 38 8193

Profile

Reader in Banking

John Ashton has over 30 refereed academic publications published in journals including the Journal of Banking and Finance, Regional Studies, Small Business Economics, the International Journal of the Economics of Business, Corporate Governance, the Journal of Public Policy and Marketing and the Journal of Marketing Management. John was appointed at Bangor Business School in May 2010, having formerly worked at the University of Leeds, the University of East Anglia and Bournemouth University. John was a founder member of the ESRC Centre for Competition Policy at the University of East Anglia, and has been a member of the International Institute for Banking and Financial Services at the University of Leeds.

Roles within Bangor Business School

Postgraduate and undergraduate teaching, research and postgraduate supervision
Senior Personal Tutor
Associate Editor, Bangor Business School Working Paper Series

Qualifications

PhD, Bournemouth University
MSc Economics, Portsmouth University
BSc(Econ), University College Swansea

Research Interests

John's research interests include the pricing of financial services, competition policy and financial regulation.

Publications

Do Depositors Benefit from Bank Mergers? An Examination of the UK Deposit Market. 2012, The International Journal of the Economics of Business, vol. 19, no. 1, pp. 1-23.
The Regulatory Challenge to Branding: An Interpretation of UK Competition Authority Investigations 1950-2005. 2011, Journal of Marketing Management. Co-author: Pressey, A.
Profiling potential green electricity tariff adopters: Green consumerism as an environmental policy tool? 2011, Business Strategy and the Environment vol.20, pp.456-70. Co-author: Diaz-Rainey, I.
The Financial Regulation of Energy and Environmental Markets. 2011, Journal of Financial Regulation and Compliance. vol. 19, no. 4. pp. 355-369. Co-authors: Diaz-Rainey, I. and Siems M.
Do National Soccer Results Really Impact on the Stock Market? 2011, Applied Economics, vol. 43. no. 26. pp. 3709-3717. Co-authors: Gerrard, B. and Hudson, R.
Does the UK have regional banking markets? An assessment of UK deposit provision 1992-2006. 2009, Applied Economics Letters, vol.16, no.11, pp. 1123-1128.
Synchronisation and Staggering of Interest Rate Changes by UK financial Services Firms. 2009, International Review of Applied Economics, vol.23, no.1, pp.55-69.
The Antitrust Implications of Electronic Markets. 2009, Industrial Marketing Management, vol.38, no.4, pp. 468-476. Co-author: Pressey A. P.
The Regulatory Perception of the Marketing Function. Interpretation of UK Competition Authority Investigations 1950-2005. 2009, Journal of Public Policy and Marketing, vol.27, no.2, pp. 156-164. Co-author: Pressey A. P.
Stuck between a ROC and a hard place? UK consumers' willingness to pay for green electricity. 2008, Energy Policy, vol. 36, no.8, pp. 3043-3051. Co-author: Diaz-Rainey, I.
Interest Rate Clustering in UK Financial Services Markets. 2008, Journal of Banking and Finance, vol. 32, no.7, pp. 1393-1403. Co-author Hudson, R.
Developing a Financial Services Planning Profession in the UK: An Examination of Past and Present Developments. 2008, The Journal of Financial Regulation and Compliance, vol.16, no. 2, pp. 159-172. Co-author: Gaskel, J.
Product Innovation and Consumer Choice in the UK Financial Services Industry. 2006, Journal of Financial Regulation and Compliance, vol.14, no3, pp. 285-303. Co-author: Costanzo, L.
Competition and the Provision of Banking Services to UK SMEs. 2005, Small Business Economics, vol.24, no.5. pp.477-485. Co-author: Keasey, K.
Managerial Perspectives on the Importance of Ownership: The Case of UK Building Society Conversion. 2005, The Journal of Finance and Management in the Public Services, vol. 5, no.1, pp.13-24.
The Regulatory Challenge to Relationship Marketing in UK Banking. 2004, The International Journal of Bank Marketing, vol.22, no.6, pp.453-464. Co-author: Pressey A. P.
Conversion, Performance and Executive Compensation in UK Building Societies. 2004, Corporate Governance: An International Review, vol.12, no.3, pp.361-370. Co-authors: Shiwakoti, R. K., and K. Keasey,
The Economic Impact of National Sporting success: Evidence from the London Stock Exchange. 2003, Applied Economic Letters, vol.10, no.12, pp.783-785. Co-authors Gerrard, B. and Hudson, R.
The Differential Returns Offered by Mutually Owned and Proprietary UK Depository Institutions: 1993-2000. 2003, The Annals of Public and Cooperative Economics, vol.74, no.2, pp.183-204. Co-author: Letza, S.
Capital utilisation and scale in the English and Welsh water industry. 2003, The Service Industries Journal, vol.23, no.5., pp.137-149.
Lending Decision Making and the Competition Commission Report on the Provision of Banking Services to Small Firms. 2003, Journal of Financial Regulation and Compliance, vol.11, no.1, pp.26-36. Co-author: Keasey, K.
Pricing Behaviour Across Multiple Distribution Channels in the UK Deposit Account Market: 1997-2001. 2002, The International Review of Retail, Distribution and Consumer Research, vol.12, no.4, pp.449-456.
Cruickshank's Recommendations as to the future of the UK payment system. 2002, Journal of Financial Regulation and Compliance, vol.10, no.3. pp.209-218. Co-author: Boyes, G.
How reliable are the recommendations of the Cruickshank Report? An assessment of market definition in UK competition analysis of retail banking markets. 2002, Journal of Financial Regulation and Compliance, vol.10, no.1, pp.15-21.
A Test of Perfect Competition in the UK Retail-Banking Deposit Market. 2001, The Service Industries Journal, vol.21 no.4, pp.119-132.
Market Definition in the UK Deposit Savings Account Market. 2001, Regional Studies, vol.35, no.6, pp.577-590.
Efficiency Characteristics of the British Retail Banking Sector. 2001, The Service Industries Journal, vol.21, no.2, pp. 159-174.
Cost efficiency in the UK water and sewerage industry. 2000, Applied Economics Letters, vol.7, no.7, pp.455-458.
Total factor productivity growth and Technical change in the English and Welsh water and sewerage industry. 2000, The Service Industries Journal, vol. 20, no. 4, pp.121-130.
Estimating Inefficiencies in Banking. 2000, Journal of Interdisciplinary Economics, vol. 11.pp.1-33. Co-author: Hardwick, P.
A General Test of Competitive Conditions in UK Building Societies: 1990-95. 2000, The Service Industries Journal, vol.20, no.1, pp. 87-95.
Technical change in the UK retail banking sector: 1984-1995. 1998, Applied Economics Letters, vol.5, pp.737-740.

Teaching

Undergraduate Teaching

ASB-2508 Corporate Governance and Regulation

Postgraduate Teaching

ASB-4432 Marketing Financial Services
Doctoral Instruction: Corporate Governance

Activities

Editorial board membership

The Service Industries Journal
Journal of Financial Regulation and Compliance
The Journal of Finance and Management in the Public Services
International Journal of Behavioural Accounting and Finance

Ad Hoc Reviewer for

Applied Economics
Applied Financial Economics
Bulletin of Economic Research
Brazilian Review of Applied Economics
British Accounting Review
British Journal of Management
Corporate Governance: An International Review
Economic Modelling
Energy Journal
Energy Policy
European Journal of Finance
Financial Management
International Journal of the Economics of Business
International Small Business Journal
Journal of Banking and Finance
Journal of Money, Credit and Banking
Journal of Finance and Management in Public Services
Psychological Reports
Quantitative Finance
Service Industries Journal
Small Business Economics

PhD Examinations

Bangor University, Birkbeck College, Bournemouth University, University of East Anglia, University of South Australia.

Learned societies and consortia

Financial Markets and Institutions Special Interest Group, British Accounting Association. BAFA.

Grant Capture

2011 Friends Provident Foundation: Who benefits most from the provision of current account services? £25k

External Examination Roles

2011- External Examiner, Undergraduate Accounting and Finance, Kings College, University of London.
2011- External Examiner, Postgraduate Accounting and Finance, Bournemouth University.
2007-12 External Examiner MSc Risk Management, Glasgow Calendonian University.
2008-12 External Examiner, BSc Business Finance and Investment, Ulster University.
2007 - Chief Examiner, Retail Financial Services, Institute of Financial Services (previously Chartered Institute of Bankers).

Other indicators of the impact of research

Best Paper Award, Global Finance Conference (Hawaii 2009) with Robert Hudson. "Pricing Credit Insurance: Are Customers Exploited in the UK payment protection insurance market?".

Winner "Outstanding Paper" for the journal at the Emerald Literati Network Award for Excellence 2007. Costanzo, L. and J. K. Ashton. (2006) "Product Innovation and Consumer Choice in the UK Financial Services Industry", Journal of Financial Regulation and Compliance, vol.14, no3, pp. 285-303.

Lastly, I attempt to disseminate my research findings as widely as possible. To date, I have been interviewed for the financial, scientific and national press, national (Radio 4, BBC Radio Wales) and local radio (BBC Radio Ulster) and have had my research work reported in a diverse assortment of media publications ranging from the Times Higher Educational Supplement, The Daily Mail, The Financial Times, The Times and the Daily Star.