Nick Bernards Books

Challenging conventional beliefs, this book explores the idea that the financial sector may not be the true adversary in societal issues. It delves into the complexities of economic systems and the underlying factors that contribute to financial crises. By examining various perspectives, the author invites readers to reconsider their assumptions about blame and responsibility, ultimately prompting a deeper understanding of the intricate relationships between finance, politics, and society.

The book critically examines the role of fintech in poverty alleviation, arguing that modern digital financial inclusion efforts replicate the flaws of past neoliberal strategies. It highlights how these initiatives depend on non-existent markets among the poorest, perpetuating historical inequalities rooted in colonialism. Through a thorough analysis of development finance's colonial history, the author challenges the optimistic narrative promoted by institutions like the IMF and World Bank, ultimately portraying the neoliberal approach to poverty relief as an unrealistic ideal.

A comprehensive historical tracing of how the contemporary finance-poverty- development nexus emerged