This article has been withdrawn as it was published elsewhere and accidentally duplicated. The original article can be seen here: 10.1108/09604520010307049. When citing the article, please cite: Anthony T. Allred, H. Lon Addams, (2000), “Service quality at banks and credit unions: what do their customers say?”, Managing Service Quality: An International Journal, Vol. 10 Iss: 1, pp. 52 - 6.
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