APA
Zerzan A., Hernandez-Cross R. & Borowik K. (2008). Integrity in mobile phone financial services. Washington, DC: World Bank.
Chicago
Zerzan Andrew, Hernandez-Cross Raul and Borowik Kamil. 2008. Integrity in mobile phone financial services. Washington, DC: World Bank.
Harvard
Zerzan A., Hernandez-Cross R. and Borowik K. (2008). Integrity in mobile phone financial services. Washington, DC: World Bank.
MLA
Zerzan Andrew, Hernandez-Cross Raul and Borowik Kamil. Integrity in mobile phone financial services. Washington, DC: World Bank. 2008.