...‐Gamet and Cova, 1999). Spain Retail banks Consumer behaviour In‐store layout Atmosphere Experiential marketing Store ambience Marketing and consumer research has shown that experiences occur during consumption. According to Holt (1995) , “consumption is a course of action that people...

... new method of segmentation are proposed. John McDonnell can be contacted at: j.mcdonnell@qut.edu.au © Emerald Group Publishing Limited 2007 Queuing Store ambience Music Financial services Customer satisfaction Despite the best efforts of financial marketers to create...