APA (7th ed.) Citation

Heng, P. P. Y., Yuen, Y. Y., Tong, D. Y. K., & Lim, N. (2008). User acceptance of Online Banking Service in Australia.

Chicago Style (17th ed.) Citation

Heng, Paul Ping Yeow, Yee Yen Yuen, David Yoon Kin Tong, and Nena Lim. User Acceptance of Online Banking Service in Australia. 2008.

MLA (9th ed.) Citation

Heng, Paul Ping Yeow, et al. User Acceptance of Online Banking Service in Australia. 2008.