APA-referens (7:e uppl.)

World Bank. Financial Sector Development Department & Humphrey, D. B. (1996). The evolution of payments in Europe, Japan, and the U.S: Lessons for emerging market economies. World Bank, Financial Sector Development Department.

Chicago-referens (17:e uppl.)

World Bank. Financial Sector Development Department och David B. Humphrey. The Evolution of Payments in Europe, Japan, and the U.S: Lessons for Emerging Market Economies. Washington, D.C: World Bank, Financial Sector Development Department, 1996.

MLA-referens (9:e uppl.)

World Bank. Financial Sector Development Department och David B. Humphrey. The Evolution of Payments in Europe, Japan, and the U.S: Lessons for Emerging Market Economies. World Bank, Financial Sector Development Department, 1996.