Gray, J. L., & Harvey, T. W. (1992). Quality value banking: Effective management systems that increase earnings, lower costs, and provide competetive customer service. John wiley & sons.
Chicago Edition CitationGray, Janet L., and Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competetive Customer Service. New York: John wiley & sons, 1992.
MLA Edition CitationGray, Janet L., and Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competetive Customer Service. John wiley & sons, 1992.
Warning: These citations may not always be 100% accurate.