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Dr José Manuel Liñares-Zegarra

José Manuel Liñares-Zegarra

BA, MSc, PhD

Honorary Senior Lecturer


José Manuel Liñares-Zegarra is a Senior Lecturer in Finance at the University of Essex and affiliated member of the Centre for Responsible Banking & Finance (RBF). He holds a PhD from the University of Granada (Spain). Previously, José was a Lecturer in Banking and Finance at University of St Andrews (2012-2015) and held visiting research positions at University of Illinois, Florida State University and the Institute of European Finance (Bangor University, UK).

His academic career combines both teaching and research in economics, banking and finance. He has been researcher for the Spanish Savings Banks Foundation and has also participated in several projects related to the banking industry for the Spanish Ministry of Science and Innovation, the Andalusian Autonomous Government and several financial institutions. In recent years, José Manuel has carried out various empirical studies in retail payments and consumer finances. He has published articles in journals such as the European Journal of Finance, Journal of Banking & Finance, Journal of Financial Services Research, Review of Network Economics, Social Science and Medicine, Moneda y Crédito, Papeles de Economía Española, Perspectivas del Sistema Financiero and Cuadernos de Información Económica.

For detailed information on José's academic and research activities, please visit his personal web page:

Research interests

  • Banking
  • Payment Economics
  • Financial Markets
  • Consumer and Household Finances
  • Microfinance and Financial Inclusion

Selected publications