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

This is a short guide how to format citations and the bibliography in a manuscript for Journal of Financial Services Research. 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
Solow RM (2010) Retrospective. Paul A. Samuelson (1915-2009). Science 327:282
A journal article with 2 authors
Martinez GJ, Rao A (2012) Immunology. Cooperative transcription factor complexes in control. Science 338:891–892
A journal article with 3 authors
Sawamura H, Shima K, Tanji J (2002) Numerical representation for action in the parietal cortex of the monkey. Nature 415:918–922
A journal article with 5 or more authors
Zhao X, Meng G, Han F, et al (2013) Nanocontainers made of various materials with tunable shape and size. Sci Rep 3:2238

Books and book chapters

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

An authored book
Bragg SM (2013) Accounting Best Practices. John Wiley & Sons, Inc., Hoboken, New Jersey
An edited book
Damon J (2016) Local Features in Natural Images via Singularity Theory. Springer International Publishing, Cham
A chapter in an edited book
Gruen A, Broadley MR, Buchner P, Hawkesford MJ (2014) Efficient Mineral Nutrition: Genetic Improvement of Phosphate Uptake and Use Efficiency in Crops. In: Hawkesford MJ, Kopriva S, De Kok LJ (eds) Nutrient Use Efficiency in Plants: Concepts and Approaches. Springer International Publishing, Cham, pp 93–132

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 Services Research.

Blog post
Andrew E (2015) Working Hoverboard Sets New World Record. 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 (1976) Assistance Provided for the Construction of Higher Education Academic Facilities. 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
Safarian Bahri P (2017) Erosion Rate Prediction Model for Levee-Floodwall Overtopping Applications in Fine-Grained Soils. Doctoral dissertation, Southern Illinois University

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
Hodara S (2016) Where Paintings Have Overtaken Pixels. New York Times CT9

In-text citations

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

This sentence cites one reference (Solow 2010).
This sentence cites two references (Solow 2010; Martinez and Rao 2012).

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

  • Two authors: (Martinez and Rao 2012)
  • Three or more authors: (Zhao et al. 2013)

About the journal

Full journal titleJournal of Financial Services Research
AbbreviationJ. Fin. Serv. Res.
ISSN (print)0920-8550
ISSN (online)1573-0735
Economics and Econometrics

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