Professor Sharon Collard is Research Director at the University of Bristol’s Personal Finance Research Centre. The Centre’s research has helped improve policy and practice in sectors such as financial services and energy, in turn improving outcomes for consumers. Novel quantification of the poverty premium, for example, directed £10 million to tackle the worst premiums. The Centre has also translated the lived experience of debt collectors, lenders and debt advisers into practical guidance, tools and protocols – endorsed and promoted by major trade bodies – to help frontline staff support vulnerable consumers across the UK. In 2020, the Centre published a blueprint for bank card gambling blockers, calling on all banks to offer a bank card gambling block across their full product range, with a 48-hour time release lock and limits on cash withdrawals. Sharon is also a member of the Financial Services Consumer Panel, a statutory panel that represents the interests of consumers in the development of policy for the regulation of financial services; and the government’s Financial Inclusion Policy Forum.