Gone are the days when people use to buy services on the basis of quality only the customer now want to have an overall service delivery including the physical environment end employee behavior. This paper throws light on how service quality, physical environment and employee behavior have an impact on consumer perception. Customers of banking services were chosen as the subject. The sample size of 100 respondents was taken based on Purposive Sampling Technique. Based on thorough literature

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... ew and after using various analytical tools it was proposed that service organizations should concentrate on service quality, physical environment and employee behavior for convincing consumers to use their services.