BibTex format
@article{Allen:2016:10.1016/j.jfi.2015.12.003,
author = {Allen, F and Demirguc-Kunt, A and Klapper, L and Martinez, Peria MS},
doi = {10.1016/j.jfi.2015.12.003},
journal = {Journal of Financial Intermediation},
pages = {1--30},
title = {The foundations of financial inclusion: understanding ownership and use of formal accounts},
url = {http://dx.doi.org/10.1016/j.jfi.2015.12.003},
volume = {27},
year = {2016}
}