APA (7th ed.) Citation

Toral, J. (1999). Banking on electronic commerce. Manila Times.

Chicago Style (17th ed.) Citation

Toral, Janette. "Banking on Electronic Commerce." Manila Times 1999.

MLA (9th ed.) Citation

Toral, Janette. "Banking on Electronic Commerce." Manila Times, 1999.

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