Canals, Jordi, author
Universal banking: international comparisons and theoretical perspectives
Oxford University Press , 1997
 Buku Teks
Ririn Breliastiti, author
Strategi unit usaha syariah bank x dalam mewujudkan visi bank x menjadi universal bank
2002
 UI - Tesis (Membership)
Bikker, Jacob A., author
Bank performance : a theoretical and empirical framework for the analysis of profitability, competition and efficiency
Routledge, Taylor & Francis Group, 2008
 Buku Teks
Fenomena universal banking ditinjau dari persepsi pelaku sistem keuangan Indonesia
 Artikel Jurnal
Hankes, Elmer Joseph
A universal second language / Elmer Joseph Hankes
The Hankes Foundation, 1992
 Buku Teks
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