<![CDATA[Research objective is to determine difference between customer’s expectation towards service quality and management perception on customer expectation. Research advantages (1) to obtain clear information on customers’ expectation and perception as well as to improve its service quality, and (2) to know the problem inside the agency. Methodology Customer Questionnaires consist of 4 parts, Part I: 8 qualitatif question (customer demography), Part II : 17 Customer Perception Questions, Part III : 17 Customer Expectation Questions, Part IV: Open Question for Weighted Importance of 5 SERVQUAL dimension. Management Questionnaires consist of 3 parts, Part I : 4 questions (management demography and working duration), Part II : 17 customer perception questions, management on customer expectation towards service execution, Part III : Open Question for Weighted Importance of 5 SERVQUAL dimension. Data Analysis Methodology: Descriptive, Cluster, Discriminant, and Dependency Analysis, SERVQUAL Analisis on Gap 5 and Gap 1. Results : Gap 1 cluster 1 require improvement on variable 5 (service always free from errors), for cluster 2 on variable 10 (if error occur then agency would fix). Gap 5 cluster 1 needs improvement variable 5 (service always free from errors), variable 8 (service always suit to the promises), variable 9 (customer complaint would be honestly responsed), and variable 11 (hospitality of agency Bank staff), for cluster 2 on variable 17 (sympathy agency staff). Based on Importance-Performance Graph, variable which is need to be fixed on cluster 1 is variable 8 (service always suit to the promises). Cluster 2 variable which is need is variable 8 (service always suit to the promises) and variable 10 ((if error occur then agency would fix).]]>
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