two causes and two effects of the Italian Renaissance
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The rise of a new way of doing banking. This resulted in the rise of several new wealthy families which brought a sense of power to the regions in which they lived.
This, in turn, allowed these families to have enough disposable income to patronize the arts and commission artist, crafts people, architects, builders and artisans to work for them.
Various families began to compete with other for the talents of the most skilled of workers and then even to go so far as to wield some power over the church of Rome.
Look for sources on the Medici and the Borgias.