APA-viite (7. p.)

Beck, T., Demirgeunc-Kunt, A., & Maksimoviac, V. (2003). Bank competition, financing obstacles, and access to credit. Finance, Development Research Group, World Bank.

Chicago-viite (17. p.)

Beck, Thorsten, Asli Demirgeunc-Kunt, ja Vojislav Maksimoviac. Bank Competition, Financing Obstacles, and Access to Credit. Washington, D.C: Finance, Development Research Group, World Bank, 2003.

MLA-viite (9. p.)

Beck, Thorsten, et al. Bank Competition, Financing Obstacles, and Access to Credit. Finance, Development Research Group, World Bank, 2003.