Capitalism is the growth of an industry with a concentration on production. The biggest capital is money capital, which is one of the largest enterprises. Enterprises then can turn into monopolies, and competition derives from this. Capitalism can change the foundations of economics in a country. Through capitalism it is then transformed into imperialism.
Banks play a key role of being a middleman.
Money that is inactive, through the transfers of banking, now become active, and thus being capital. With the development of banks, bigger ones start to take over the smaller banks and begin a monopolize. Banks intensified the process of transformation of capital. Lenin describes the change of old capitalism compared to the new capitalism through the decrease interest of the Stock Exchange. A transgression of a free competition now becomes more monopolized.