Medieval Trade Records Shaped Modern Accounting and Today’s Blockchain Systems

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FORMOSA NEWS - Makassar - Modern accounting systems used by businesses, governments, banks, and digital finance platforms can trace their origins back to medieval trade records developed centuries ago. That is the central conclusion of a 2026 study by Masdar Ryketeng of Universitas Negeri Makassar, Indonesia, together with Samsinar, Hariany Idris, Anni Suryani, and Atia Kirana. Published in the International Journal of Sustainability in Research (IJSR), the study examines how double-entry bookkeeping, memorandums, journals, and ledgers evolved into the foundation of contemporary accounting and even influenced modern blockchain technology.

The research is significant because accounting remains one of the world's most important information systems. Every financial statement, business transaction, audit report, and digital payment depends on principles that were first developed by merchants seeking more reliable ways to record economic activity. The study argues that understanding the historical roots of accounting can help explain why modern financial systems continue to rely on concepts established hundreds of years ago.

Accounting’s Origins Extend Beyond Luca Pacioli

For generations, accounting history has often centered on the Italian mathematician and Franciscan friar Luca Pacioli, whose 1494 publication documented the Venetian bookkeeping system. However, the researchers found that double-entry bookkeeping was already being used long before Pacioli described it.

According to the study, evidence from historical literature indicates that Florentine bankers employed early forms of double-entry bookkeeping as early as the 12th century. By the 13th and 14th centuries, Italian trading companies had developed increasingly sophisticated methods for recording credits, debts, and commercial transactions. Pacioli's contribution was not inventing the system but codifying and organizing practices that had already emerged within medieval commerce.
The researchers emphasize that modern accounting developed through a gradual historical process rather than a single breakthrough. Memorandums served as the first chronological record of transactions, journals categorized entries into debits and credits, and ledgers became the central repository for managing accounts. Together, these tools formed the accounting cycle still used today.

How the Research Was Conducted

The study used a qualitative literature review approach focused on accounting historiography. The research team analyzed 26 national and international journal articles alongside key historical sources, including Luca Pacioli’s Particularis de Computis et Scripturis. Rather than measuring statistical trends, the authors examined how accounting evolved through historical, social, cultural, legal, and technological changes across different periods.

The analysis concentrated on four major themes:

  • The historical development of double-entry bookkeeping.
  • The social and political role of accounting records.
  • The influence of mathematics and economic rationality.
  • The transformation of traditional ledgers into modern digital systems.

Key Findings

The study identifies several major findings that reshape how accounting history is understood.

1. Accounting emerged through centuries of gradual innovation

The researchers found that accounting systems evolved alongside increasingly complex trade networks. As merchants expanded credit-based commerce, they needed reliable ways to track obligations, payments, profits, and liabilities. This demand encouraged the development of memorandums, journals, and ledgers as interconnected recordkeeping tools.

2. Accounting is a social technology, not just a technical tool

One of the study’s most important conclusions is that accounting developed for social reasons as well as economic ones.

In medieval trade networks, trust was essential. Merchants often conducted business across long distances and relied on credit arrangements. Ledgers functioned as evidence of rights, obligations, and agreements, helping establish legitimacy and confidence between trading partners. Accounting records therefore acted as a form of social memory and institutional trust.

3. Mathematics helped transform accounting into a rational system

The study highlights the influence of numerical representation and mathematical reasoning on accounting's evolution. The debit-credit balance system provided a structured framework for measuring economic activity and evaluating financial performance. According to the researchers, accounting became an intellectual system that reflected broader changes in how societies understood economic reality and organizational control.

4. Accounting spread through global cultural exchange

Although Italy played a crucial role in bookkeeping's development, the study concludes that accounting's evolution was not exclusively European.

The researchers identified evidence of accounting adaptation in the Ottoman Empire, Imperial Spain, and Yoruba society in West Africa. Trade, colonialism, and cross-cultural knowledge transfer helped spread accounting practices across regions, where they were modified to fit local institutions and economic systems.

5. Blockchain represents the latest stage of ledger evolution

Perhaps the most contemporary finding concerns blockchain technology.

The researchers argue that blockchain-based accounting systems represent a continuation of the historical ledger concept. While the medium has changed from handwritten books to distributed digital networks, the core purpose remains the same: recording, verifying, and communicating economic information. Modern distributed ledger technologies therefore preserve principles that originated in medieval bookkeeping systems.

Why the Findings Matter

The study has implications for accounting education, financial technology development, and business practice.

For educators, the findings suggest that accounting should be taught not only as a technical discipline but also as a historical, social, and intellectual system. Understanding how accounting evolved can help students appreciate why concepts such as accountability, transparency, and financial control remain central to modern organizations.

For businesses and technology developers, the research demonstrates that innovations such as blockchain are not radical departures from accounting history. Instead, they represent the latest stage in a centuries-long process of improving how economic information is recorded and shared.

The study also encourages future research into non-Western accounting traditions, arguing that global accounting history remains influenced by Eurocentric narratives and could benefit from broader comparative perspectives.

Researchers’ Perspective

According to Masdar Ryketeng and colleagues from Universitas Negeri Makassar and STIE AMKOP Makassar, accounting should be understood as more than an administrative process. Their analysis shows that memorandums, journals, and ledgers evolved through interactions among commerce, law, mathematics, politics, culture, and technology. The authors argue that accounting is a multidimensional knowledge system that has adapted continuously throughout human civilization while preserving its fundamental principles.

Author Profile

Masdar Ryketeng, S.E., M.Ak. is a lecturer and researcher in accounting at Universitas Negeri Makassar, Indonesia. His academic interests include accounting historiography, accounting theory, accounting information systems, and the historical development of financial reporting practices.

The study was co-authored by:

  • Samsinar, Universitas Negeri Makassar
  • Hariany Idris, Universitas Negeri Makassar
  • Anni Suryani, STIE AMKOP Makassar
  • Atia Kirana, STIE AMKOP Makassar

Source

Article Title: Examining the Origins of Double-Entry Bookkeeping, Memorandums, Journals, and Ledgers as the Foundation of Modern Accounting: A Literature Review

Journal: International Journal of Sustainability in Research (IJSR), Vol. 4 No. 3, 2026,

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