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