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About us

This blog is written by researchers at Community Finance Solutions (CFS), an award winning research unit specialising in financial and social inclusion, and community asset ownership. Located within the University of Salford, CFS offers independent research and advisory services to social landlords, local authorities, national government, charities and other organisations and agencies.

Dr Pål Vik, Research Fellow at CFS, is a recognised specialist in access to finance, financial exclusion, and microfinance drawing on more than eight years of research and consultancy experience. Over the last few years he has been conducting research projects into the impact of financial innovation on access, including on crowdfunding and microfinance, and mobile apps in promoting financial inclusion.

Prof Karl Dayson, Executive Director and Co-founder of CFS, is a specialist in the fields of community finance, financial exclusion and community ownership of assets. He has provided policy advice EU institutions, government departments and charities on promoting access to finance. Recently, Prof Dayson has been pursuing his interest in the impact of the Fintech revolution through research projects on crowdfunding and mobile technology.

For more info on us and our work, please get in touch with Pål Vik on 0161 295 2841 or or visit our website on