APA način citiranja (7. izdanje)

Kulkarni, R. (2004). Knowledge based systems in banking sector. New Century.

Čikaški stil citiranja (17. izdanje)

Kulkarni, R. Knowledge Based Systems in Banking Sector. New Delhi: New Century, 2004.

MLA način citiranja (9. izdanje)

Kulkarni, R. Knowledge Based Systems in Banking Sector. New Century, 2004.