How to format your references using the Journal of Financial Intermediation citation style

This is a short guide how to format citations and the bibliography in a manuscript for Journal of Financial Intermediation. 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.
EndNoteDownload the output style file
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
Falke, J.J., 2002. Enzymology. A moving story. Science 295, 1480–1481.
A journal article with 2 authors
Han, Y., Grier, D.G., 2003. Fluid dynamics: Vortex rings in a constant electric field. Nature 424, 267–268.
A journal article with 3 authors
Whitmire, E., Khan, B., Coué, M., 2002. Cdc6 synthesis regulates replication competence in Xenopus oocytes. Nature 419, 722–725.
A journal article with 4 or more authors
Mayorov, A.S., Elias, D.C., Mucha-Kruczynski, M., Gorbachev, R.V., Tudorovskiy, T., Zhukov, A., Morozov, S.V., Katsnelson, M.I., Fal’ko, V.I., Geim, A.K., Novoselov, K.S., 2011. Interaction-driven spectrum reconstruction in bilayer graphene. Science 333, 860–863.

Books and book chapters

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

An authored book
Morris, A., 2008. A Practical Guide to Reliable Finite Element Modelling. John Wiley & Sons, Ltd, Chichester, UK.
An edited book
LaBelle, J.W., Treumann, R.A. (Eds.), 2006. Geospace Electromagnetic Waves and Radiation, Lecture Notes in Physics. Springer, Berlin, Heidelberg.
A chapter in an edited book
Vu, Q.H., Lupu, M., Ooi, B.C., 2010. Load Balancing and Replication, in: Lupu, M., Ooi, B.C. (Eds.), Peer-to-Peer Computing: Principles and Applications. Springer, Berlin, Heidelberg, pp. 127–156.

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 Journal of Financial Intermediation.

Blog post
Andrews, R., 2016. Queen Nefertari’s Mummified Legs Have Been Identified In An Italian Museum [WWW Document]. IFLScience. URL (accessed 10.30.18).


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, 2014. Market Research: Better Documentation Needed to Inform Future Procurements at Selected Agencies (No. GAO-15-8). 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
Cole Jackson, M., 2015. National school reform: the benefits of civility and ethics instruction (Doctoral dissertation). California State University, Long Beach, Long Beach, CA.

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
Ember, S., 2017. The Empire Of Glamour Loses a King. 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 (Falke, 2002).
This sentence cites two references (Falke, 2002; Han and Grier, 2003).

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

  • Two authors: (Han and Grier, 2003)
  • Three or more authors: (Mayorov et al., 2011)

About the journal

Full journal titleJournal of Financial Intermediation
ISSN (print)1042-9573
ScopeEconomics and Econometrics

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