Dr. Nick Bernards is Associate Professor of Global Sustainable Development at the University of Warwick in the United Kingdom. He holds a PhD in International Relations from McMaster University, Canada. His research focuses on how the legacy of colonialism shapes the present context of sustainable development practice. In his most recent book, A Critical History of Poverty Finance: Colonial Roots and Neoliberal Failures, he examines how digital financial inclusion reinforces existing patterns of inequality and uneven development.