Text this: Service quality in the retail banking industry

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|  __ \\   |  ___||   ____      / _ \\   /  ___|| 
| |  \ ||  | ||__    |    \\   | / \ || | // __   
| |__/ ||  | ||__    | [] ||   | \_/ || | \\_\ || 
|_____//   |_____||  |  __//    \___//   \____//  
 -----`    `-----`   |_|`-`     `---`     `---`   
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