APA (7th ed.) Citation

Shanmugam, B., & Guru, B. K. (2003). Electronic banking in Malaysia. Institut Bank-Bank Malaysia.

Chicago Style (17th ed.) Citation

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

MLA (9th ed.) Citation

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

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