1. J.A. DiVanna (2004) The Future of Retail Banking, Palgrave Macmillan, p.8.
2. ‘Acceptance credits worked in this way: during the eighteenth century it became an established practice for smaller merchants finding their way into international trade to ask the established houses to endorse their trade bills so as to make them acceptable without questions to foreign exporters, or to bankers at home and abroad.’ S. Chapman (1984) The Rise of Merchant Banking, George Allen and Unwin Publishers Ltd.
3. B. Hammond (1985) Banks and Politics in America: From the Revolution to the Civil War, Princeton University Press, p.4.
4. R. Glenn Hubbard (2002) Money, the Financial System, and the Economy, Fourth Edition, Addison Wesley, Boston.
5. E. Gardener & P. Molyneux (1990) Changes in Western European Banking, Unwin & Hyman.