Banking has changed in the past 200 years of our nation's history because:
Banking is the institution which basically keeps money of its customers and allows them to perform financial transactions, collect overdrafts, send and receive money, give interests and many more.
As a result of this, we can see that there are differences in how banking was two hundred years ago and today. Back then, banking was not digitized as people exchanged money by hand and stored their money wherever they felt was safe for them.
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