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<xml><bibliography><APA>Pema. และ Wangchuk. (2008) The Effects of environment quality, interaction quality, outcome quality, and relationship quality on customer loyalty in banking industry in Bhutan. University of the Thai Chamber of Commerce:ม.ป.ท.</APA><Chicago>Pema. และ Wangchuk. 2008. The Effects of environment quality, interaction quality, outcome quality, and relationship quality on customer loyalty in banking industry in Bhutan. ม.ป.ท.:University of the Thai Chamber of Commerce;</Chicago><MLA>Pema. และ Wangchuk.  The Effects of environment quality, interaction quality, outcome quality, and relationship quality on customer loyalty in banking industry in Bhutan.  ม.ป.ท.:University of the Thai Chamber of Commerce, 2008. Print.</MLA></bibliography></xml>
