APA (7th ed.) Citation

Djankov, S., Miranda, P., Seira, E., & Sharma, S. (2012). Who Are the Unbanked? World Bank, Washington, DC.

Chicago Style (17th ed.) Citation

Djankov, Simeon, Pedro Miranda, Enrique Seira, and Siddharth Sharma. Who Are the Unbanked? World Bank, Washington, DC, 2012.

MLA (8th ed.) Citation

Djankov, Simeon, et al. Who Are the Unbanked? World Bank, Washington, DC, 2012.