What lead to the creation of Europe's first banks?

The history of banking began with the first prototype banks which were the merchants of the world, who gave grain loans to farmers and traders who carried goods between cities. Development of banking spread from northern Italy throughout the Holy Roman Empire, and in the 15th and 16th century to northern Europe.

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it began with the first prototype Banks which were the merchants of the world who gave grain loans to Farmers and traders who carried goods between cities.

post the grid otherwise i cant .

also it sounds like a math question not history.