APA način citiranja

Kulkarni,R V, & Desai,B L. (2004). Knowledge - based systems in banking sector. New Century Publications.

Čikaški stil citiranja

Kulkarni,R V, i Desai,B L. Knowledge - Based Systems in Banking Sector. New Delhi: New Century Publications, 2004.

MLA način citiranja

Kulkarni,R V, i Desai,B L. Knowledge - Based Systems in Banking Sector. New Century Publications, 2004.