I have a test, and here are the answers for this question.
A. The new middle class required small loans.
B. People wanted a safe place to store expensive items.
C. The increase in population meant an increase in currency.
D. Merchants needed a place to exchange currency from other countries.
I took the test, and got the answer right. The answer is D. Hope this helps you out, lad! Also, top of the mornin' to ya!