@book { KundenbindungimVirtualBanking,
    title = "Kundenbindung im Virtual Banking",
    author = "Dirk {Stermann}",
    year = "1999",
    publisher = "Diplom.de",
    address = "Hamburg, Deutschland",
    doi = "10.3239/9783832416836",
    url = "https://m.diplom.de/document/217558"
}