APA (7th ed.) Citation

Ly, R., & Ly, B. Digital payment systems in an emerging economy. Elsevier.

Chicago Style (17th ed.) Citation

Ly, Romny, and Bora Ly. Digital Payment Systems in an Emerging Economy. Elsevier.

MLA (9th ed.) Citation

Ly, Romny, and Bora Ly. Digital Payment Systems in an Emerging Economy. Elsevier.

Warning: These citations may not always be 100% accurate.