Gaya APA

Team, G, M, M, F, T, U, -. (2012). GSMA Mobile Money for the Unbanked : Annual Report 2012 (2012). London: GSMA.

Gaya MLA

Team, GSMA, Mobile, Money, For, The, Unbanked, -. "GSMA Mobile Money for the Unbanked : Annual Report 2012". 2012 London: GSMA, 2012. Hardcopy (Textbook).