Which ancient civilization first developed a standardized retail payment system using clay tablets as 'receipts' for goods stored in temple warehouses, essentially creating the world's first banking system?

Before modern retail technology, ancient civilizations developed sophisticated systems for commerce and trade. From the bustling markets of Mesopotamia to Roman trade networks spanning continents, early civilizations pioneered retail strategies and technologies that would influence commerce for millennia. This trivia question explores an innovative ancient retail technology that revolutionized payment systems and commercial trust in the ancient world.

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Sumerians in Mesopotamia (circa 3500 BCE)
Ancient Egyptians during the Old Kingdom period
Indus Valley civilization merchants
Early Chinese Zhou Dynasty traders