Shanmugam, B., & Guru, B. K. (2003). Electronic banking in Malaysia. Institut Bank-Bank Malaysia.
Chicago Style (17th ed.) CitationShanmugam, Bala, and Balachandher Krishna Guru. Electronic Banking in Malaysia. Kuala Lumpur: Institut Bank-Bank Malaysia, 2003.
MLA (9th ed.) CitationShanmugam, Bala, and Balachandher Krishna Guru. Electronic Banking in Malaysia. Institut Bank-Bank Malaysia, 2003.
Warning: These citations may not always be 100% accurate.