APA (7th ed.) Citation

Bala Shanmugam & Balachandher Krishna Guru. (2003). Electronic banking in Malaysia. Institut Bank-Bank Malaysia.

Chicago Style (17th ed.) Citation

Bala Shanmugam and Balachandher Krishna Guru. Electronic Banking in Malaysia. Kuala Lumpur: Institut Bank-Bank Malaysia, 2003.

MLA (8th ed.) Citation

Bala Shanmugam and Balachandher Krishna Guru. Electronic Banking in Malaysia. Institut Bank-Bank Malaysia, 2003.