Cita APA (7a ed.)

Humphrey, D., Vale, B., & Kim, M. (1999). Realizing the gains from electronic payments: Costs, pricing, and payment choice. Confederación Española de Cajas de Ahorro, Fundación FIES.

Cita Chicago Style (17a ed.)

Humphrey, David, Bent Vale, y Moshe Kim. Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice. Madrid: Confederación Española de Cajas de Ahorro, Fundación FIES, 1999.

Cita MLA (9a ed.)

Humphrey, David, et al. Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice. Confederación Española de Cajas de Ahorro, Fundación FIES, 1999.