How did banks appear in Europe? why didn’t this happen in the early Middle Ages?

The primitive analogs of banks have existed since antiquity. These were usurers who lent money and Greek meals, who took valuables and money for safekeeping at interest. The clergy performed similar functions. Obviously, commodity-money relations formed the banking system in those days. as for the early Middle Ages, this phenomenon was simply not allowed to develop. The reason for this was the church. She had a significant impact. The rulers drove out money changers and appropriated their funds.