Notes to chapters

Chapter 1

1. From W. N. Goetzmann and K. G. Rouwenhorst (editors) (2005) The Origins of Value: The Financial Innovations that Created Modern Capital Markets (OUP: Oxford), p.20.

2. The Chinese had got there first using bamboo tally sticks around 500 BC.

Chapter 2

1. Strictly, Nationwide is a building society rather than a bank. The term bank has been stretched so we need to be flexible in what we regard as a banking service. In addition to those institutions that have ‘bank’ in their name such as Banco Santander, this book discusses many other institutions that conduct banking activities, such as building societies and savings and loan associations, collectively known as depository institutions or deposit-taking institutions ...

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