How to format your references using the Financial Innovation citation style

This is a short guide how to format citations and the bibliography in a manuscript for Financial Innovation. For a complete guide how to prepare your manuscript refer to the journal's instructions to authors.

Using reference management software

Typically you don't format your citations and bibliography by hand. The easiest way is to use a reference manager:

PaperpileThe citation style is built in and you can choose it in Settings > Citation Style or Paperpile > Citation Style in Google Docs.
EndNoteFind the style here: output styles overview
Mendeley, Zotero, Papers, and othersThe style is either built in or you can download a CSL file that is supported by most references management programs.
BibTeXBibTeX syles are usually part of a LaTeX template. Check the instructions to authors if the publisher offers a LaTeX template for this journal.

Journal articles

Those examples are references to articles in scholarly journals and how they are supposed to appear in your bibliography.

Not all journals organize their published articles in volumes and issues, so these fields are optional. Some electronic journals do not provide a page range, but instead list an article identifier. In a case like this it's safe to use the article identifier instead of the page range.

A journal article with 1 author
Ahlquist P (2002) RNA-dependent RNA polymerases, viruses, and RNA silencing. Science 296:1270–1273
A journal article with 2 authors
Clardy J, Walsh C (2004) Lessons from natural molecules. Nature 432:829–837
A journal article with 3 authors
Hayden BY, Pearson JM, Platt ML (2009) Fictive reward signals in the anterior cingulate cortex. Science 324:948–950
A journal article with 5 or more authors
Toon OB, Robock A, Turco RP, et al (2007) Nuclear war. Consequences of regional-scale nuclear conflicts. Science 315:1224–1225

Books and book chapters

Here are examples of references for authored and edited books as well as book chapters.

An authored book
Liautaud M (2016) Breaking Through. John Wiley & Sons, Inc, Hoboken, NJ
An edited book
Huys R, Jirsa VK (eds) (2011) Nonlinear Dynamics in Human Behavior. Springer, Berlin, Heidelberg
A chapter in an edited book
Nordström G, Johnsson H, Lidelöw S (2013) Using the Energy Signature Method to Estimate the Effective U-Value of Buildings. In: Hakansson A, Höjer M, Howlett RJ, Jain LC (eds) Sustainability in Energy and Buildings: Proceedings of the 4th International Conference in Sustainability in Energy and Buildings (SEB´12). Springer, Berlin, Heidelberg, pp 35–44

Web sites

Sometimes references to web sites should appear directly in the text rather than in the bibliography. Refer to the Instructions to authors for Financial Innovation.

Blog post
Hale T (2016) People Are Freaking Out At This Apparent Time Traveler Filmed At A Mike Tyson Boxing Match In The ’90s. In: IFLScience. Accessed 30 Oct 2018


This example shows the general structure used for government reports, technical reports, and scientific reports. If you can't locate the report number then it might be better to cite the report as a book. For reports it is usually not individual people that are credited as authors, but a governmental department or agency like "U. S. Food and Drug Administration" or "National Cancer Institute".

Government report
Government Accountability Office (2016) Information Technology: Agencies Need to Improve Their Application Inventories to Achieve Additional Savings. U.S. Government Printing Office, Washington, DC

Theses and dissertations

Theses including Ph.D. dissertations, Master's theses or Bachelor theses follow the basic format outlined below.

Doctoral dissertation
Jenkins DS (2010) Comprehensive support for children of incarcerated parents and their families. Doctoral dissertation, California State University, Long Beach

News paper articles

Unlike scholarly journals, news papers do not usually have a volume and issue number. Instead, the full date and page number is required for a correct reference.

New York Times article
Stewart JB (2016) Markets Skittish Over Deutsche’s Exposure. New York Times B1

In-text citations

References should be cited in the text by name and year in parentheses:

This sentence cites one reference (Ahlquist 2002).
This sentence cites two references (Ahlquist 2002; Clardy and Walsh 2004).

Here are examples of in-text citations with multiple authors:

  • Two authors: (Clardy and Walsh 2004)
  • Three or more authors: (Toon et al. 2007)

About the journal

Full journal titleFinancial Innovation
ISSN (online)2199-4730

Other styles