APA-viite (7. p.)

Harms, P., Schuknecht, L., & Mattoo, A. (2003). Explaining liberalization commitments in financial services trade. Trade, Development Research Group, World Bank.

Chicago-viite (17. p.)

Harms, Philipp, Ludger Schuknecht, ja Aaditya Mattoo. Explaining Liberalization Commitments in Financial Services Trade. Washington, D.C: Trade, Development Research Group, World Bank, 2003.

MLA-viite (9. p.)

Harms, Philipp, et al. Explaining Liberalization Commitments in Financial Services Trade. Trade, Development Research Group, World Bank, 2003.