APA način citiranja (7. izdanje)

Satno, S., & Humphrey, D. B. (1995). Transforming payment systems: Meeting the needs of emerging market economies. World Bank.

Čikaški stil citiranja (17. izdanje)

Satno, Setsuya, i David B. Humphrey. Transforming Payment Systems: Meeting the Needs of Emerging Market Economies. Washington, D.C: World Bank, 1995.

MLA način citiranja (9. izdanje)

Satno, Setsuya, i David B. Humphrey. Transforming Payment Systems: Meeting the Needs of Emerging Market Economies. World Bank, 1995.