APA (7th ed.) Citation

Cull, R., Demirgüç-Kunt, A., & Morduch, J. (2012). Banks and Microbanks.

Chicago Style (17th ed.) Citation

Cull, Robert, Asli Demirgüç-Kunt, and Jonathan Morduch. Banks and Microbanks. 2012.

MLA (8th ed.) Citation

Cull, Robert, et al. Banks and Microbanks. 2012.