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Service industries are playing an increasingly important role in the overall economies of both developed and developing countries (Angelova and Zekiri, 2011). The services sector of every country therefore contributes significantly to its economic development, as service remains one of the three key components of gross domestic product (GDP), with the two other sectors being agriculture and industry. Currently, there is a growing importance of the services sector in the world economy (Araslı et al., 2005), as compared to the other two sectors. The Central Intelligence Agency (2014) world factbook estimates that services contributed 63.5% of world gross domestic product (GDP) in 2014 . The estimates for Ghana, from the same study are; agriculture 21.4%, industry 29.2% and services 49.4%. Over the years, researchers have tried to define service in slightly different ways. Wei (2013) gives a relatively modern definition as an activity or a series of activities in intangible form which usually takes place between customers and service providers.

Determining the Degree of Service Quality, Customer Satisfaction and Loyalty: An Empirical Study of Retail Banking in Ghana