Khairul A. Adham. (1999). The adoptation and implementation of information technology in Malaysian commercial banks: Phone banking and electronic terminal banking systems. Rensselaer Polytechnic Institute.
توثيق أسلوب شيكاغو (الطبعة السابعة عشر)Khairul A. Adham. The Adoptation and Implementation of Information Technology in Malaysian Commercial Banks: Phone Banking and Electronic Terminal Banking Systems. Troy: Rensselaer Polytechnic Institute, 1999.
توثيق جمعية اللغة المعاصرة MLA (الطبعة الثامنة)Khairul A. Adham. The Adoptation and Implementation of Information Technology in Malaysian Commercial Banks: Phone Banking and Electronic Terminal Banking Systems. Rensselaer Polytechnic Institute, 1999.
تحذير: قد لا تكون هذه الاستشهادات دائما دقيقة بنسبة 100%.