Gaya APA

WIDJANA, M, A., RACHMAT, B. (2012). Factors determining acceptance level of internet banking implementation . Surabaya: PPPM STIE Perbanas.

Gaya MLA

WIDJANA, Mahardika, Aditya., RACHMAT, Basuki. "Factors determining acceptance level of internet banking implementation". Surabaya: PPPM STIE Perbanas, 2012. Artikel.