“…Grounded on the gap theory, a model called “SERVQUAL” was developed for measuring service quality [ 53 ]. Over the past few decades, numerous studies have adopted this model to measure service quality in sectors such as banking [ 9 , 29 , 30 , 40 , 51 ], education [ 1 , 8 , 23 , 48 ], tourism [ 11 , 12 , 28 , 34 , 43 ] and retail [ 14 , 17 , 20 , 21 , 49 ]. The SERVQUAL model evaluates five attributes of service quality, namely: 1) tangibles, 2) reliability, 3) responsiveness, 4) assurance, and 5) empathy.…”