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Li, G. B., McAndrews, J., & Wang, Z. (2019). Two-Sided Market, R&D and Payments System Evolution*, IMF Working Papers, 2019(057), A001. Retrieved May 11, 2023, from https://www.elibrary.imf.org/view/journals/001/2019/057/article-A001-en.xml

Li, Grace B, James McAndrews, and Zhu Wang. "Two-Sided Market, R&D and Payments System Evolution*". IMF Working Papers 2019.057 (2019), A001. < https://doi.org/10.5089/9781484399620.001.A001>. Web. 11 May. 2023.

Li, Grace B, James McAndrews, and Zhu Wang. "Two-Sided Market, R&D and Payments System Evolution*", IMF Working Papers 2019, 057 (2019), A001, accessed May 11, 2023, https://doi.org/10.5089/9781484399620.001.A001

Li, G. B., McAndrews, J., and Wang, Z. (2019). Two-Sided Market, R&D and Payments System Evolution*. IMF Working Papers 2019, 057, A001, available from: < https://doi.org/10.5089/9781484399620.001.A001> [Accessed 11 May 2023]