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THE GAPS MODEL OF
BANKING SERVICE QUALITY
By:
Anthony Rueben
Rahul
Shridhar Batt
Smitha
Zaheer Sayyed
GAPS MODEL OF BANKING SERVICE
QUALITY
Perceived
Service
Expected
Service
CUSTOMER
COMPANY
Customer
Gap
Gap 1
Gap 2
Gap 3
External
Communications
to CustomersGap 4
Service
Delivery
Customer-Driven
Service Designs and
Standards
Company Perceptions
of Consumer
Expectations
UNDERSTANDING CUSTOMER
REQUIREMENT
PROVIDER GAP 1
Company
Perceptions of
Consumer
Expectations
Expected
Service
 No waiting
 Waiting time 5 min.
Company
Perceptions of
Consumer
Expectations
 Waiting time 5 min.
Waiting time 10 min.
Service
Specification/
Standard
Delivering and Performing
Service
Service
Specification/
Standard
 Waiting time 20 min.
Service
Delivery
 Waiting time 10 min.
COMMUNICATION GAP
Service
Delivery
 Waiting time 20 min.
External
Communications
to Customers
Multiple fast moving counters to avoid
waiting period or delay for customers.
CUSTOMER GAP
Perceived
Service
Expected
Service
 No waiting
Waiting time 20 min.
THANK YOU!

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Service Marketing: Gap model analysis of a bank