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<xml><bibliography><APA>Tan. และ Xianjun. (2009) The Influencing Factors of The Customer Potential Value Individual Online Bank Empirical study in Guangzhou China /. University of the Thai Chamber of Commerce:ม.ป.ท.</APA><Chicago>Tan. และ Xianjun. 2009. The Influencing Factors of The Customer Potential Value Individual Online Bank Empirical study in Guangzhou China /. ม.ป.ท.:University of the Thai Chamber of Commerce;</Chicago><MLA>Tan. และ Xianjun.  The Influencing Factors of The Customer Potential Value Individual Online Bank Empirical study in Guangzhou China /.  ม.ป.ท.:University of the Thai Chamber of Commerce, 2009. Print.</MLA></bibliography></xml>
