BibTex format
@techreport{Sandeep:2014,
author = {Sandeep, D and Shirvalkar, A and Baxter, G and Smilowicz, T and Thomas, LDW and Vernet, A},
publisher = {Citigroup Global Markets Inc},
title = {Getting Ready for Digital Money: A Roadmap},
year = {2014}
}