Παραπομπή σε μορφή APA (7η εκδ.)

Gray, J. L., & Harvey, T. W. (1992). Quality value banking: Effective management systems that increase earnings, lower costs, and provide competitive customer service. John Wiley & sons.

Παραπομπή σε μορφή Chicago (17η εκδ.)

Gray, Janet L., και Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competitive Customer Service. New York, Chichester: John Wiley & sons, 1992.

Παραπομπή σε μορφή MLA (9th εκδ.)

Gray, Janet L., και Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competitive Customer Service. John Wiley & sons, 1992.