APA (7th ed.) Citation

Goulding, J., Smith, G., & Engelmann, G. (2018). The unbanked and poverty: Predicting area-level socio-economic vulnerability from M-Money transactions.

Chicago Style (17th ed.) Citation

Goulding, James, Gavin Smith, and Gregor Engelmann. The Unbanked and Poverty: Predicting Area-level Socio-economic Vulnerability from M-Money Transactions. 2018.

MLA (9th ed.) Citation

Goulding, James, et al. The Unbanked and Poverty: Predicting Area-level Socio-economic Vulnerability from M-Money Transactions. 2018.

Warning: These citations may not always be 100% accurate.