The i-graduate ICEF Agent Barometer 2016 North America · 16% 18% 19% 20% 23% 31% 32% 35% 52% 57%...

The i-graduate ICEFAgent Barometer 2016

North America

All materials strictly copyright © i-graduate 2016

2

Established in

2005In Over

1400Institutions

Across

30Countries

Feedback from over

2.3 MillionStudents

About i-graduate


The i-graduate ICEF Agent Barometer

8All materials strictly copyright © i-graduate 2016

Online survey developed in partnership by i-graduate & ICEF

Established in 2007, the ICEF Agent Barometer has tracked the opinions of agents across the world for 10 years

The 2016 study ran during September - October

Overall 1,111 agents responded from 108 countries

11

Survey: Incentives



Survey front page

Today’s focus…

6

AgentProfile

Scope of Activity

Placements

Student Concerns

Destination attractiveness

ICEF Agent Barometer

Marketing

Recruitment/Management

Best Study Destination


8

Summary of agent demographics1,111 agents responded from 108 countries

12%

7%

5%

5%

5%

4%

4%3%

3%3%3%3%

3%2%

2%2%

2%2%

2%2%

28%

India Brazil

Nepal Canada

Russia Vietnam

Pakistan Australia

Nigeria China

Mexico Italy

UK Turkey

Saudi Arabia Spain

Colombia Bangladesh

Ukraine Kazakhstan

OTHER


9

Institutions represented

19

174 172

135

80 79

63

30 29

11

31

200

0

50

100

150

200

250

1 2-10 11-20 21-30 31-40 41-50 51-60 61-70 71-80 81-90 91-100 More than100Base No: 1,073

45% of agents represent between 2-30 institutions


10

Total students placed

6%7% 8%

6%4%

22%23%

6%

4%3%

6%4%

2%

0%

5%

10%

15%

20%

25%This has increased from

19% in 2015

Base No: 822


11

Contracts with institutions

Do you have contracts in place with the institutions you work with?

Base No: 653

75%

21%

3%

1%

Yes, always

Yes, sometimes

No

Don't know


13

What services does your company provide to students as clients?

Student services (Top 10)

68%

71%

73%

75%

77%

83%

83%

86%

89%

90%

50% 60% 70% 80% 90% 100%

Career counselling

Health insurance

Airport pick-up

Accommodation – on-campus residence

Interviews

Promotional materials

Visa processing

Program applications

Program selection counselling

Pre-departure briefing

Base No: 742


14

What percentage of your leads come from an online source (website, social media)?

Leads from online sources

17%

18%

16%16%

16%

17%

0-10% 10-20% 20-30% 30-40% 40-60% 60%+

Base No: 722


15

Which tool is most important in managing your business?

Most important tool in managing business

Excel21%

Google Docs/Dropbox22%

Custom in-house technology

19%

Paper12%

Salesforce (customised)11%

Salesforce (generic)4%

Other11%

Base No: 719


16

What type of marketing communication do you use to reach your clients?

Client marketing communication

0%

10%

20%

30%

40%

50%

60%

70%

Reach out tostudents

Market aprogram

Do not use Reach out toParents

Communicatewith youreducatorpartners

Expect yourpartner

educators tosupply

Applicationprocess for a

program

Facebook

Linkedin/Xing/otherprofessionalnetworking sites

Other social media

Twitter

Youtube

Base No: 645


18

Number of students placed in last 12 months

895

3.011

6.237

7.178

4.967

6.540

9.728

9.580

10.857

11.436

9.377

23.812

26.720

109.639

0 50.000 100.000 150.000 200.000

University: Distance Education/Online Learning

Internships

Pre-Masters/Postgraduate Qualifying Program (PQP)

Work & Study Programs

Certificate/Foundation

University: Foundation

Vocational Diploma/Further Education

MBA Programs

Diploma

Secondary and High School

Work & Travel Programs

University: Undergraduate

University: Graduate/Postgraduate

English Language Programs


19

Number of students placed in the last 12 months:5 year trend data


Number of placements

2016 (897) 2015 (1358) 2014 (912) 2013 (995) 2012 (776)

Total 207,727 297,488 360,065 328,877 237,734

Schools 11,436 16,202 39,419 26,523 12,500

Vocational Education 9,728 9,546 16,259 15,978 15,646

Foundation 6,540 8,811 16,080 11,189 12,489

Undergraduate 23,812 32,692 42,923 31,575 33,347

Graduate/Postgraduate 26,720 40,386 46,461 35,879 31,895

MBA Programmes 9,580 11,678 13,209 21,835 8,031

Work & Travel 9,377 20,217 21,861 1,006 19,296

Language Courses 109,639 148,690 145,115 161,402 104,530

Distance education/Online learning 895 1,505 1,165 12,780 No data

20

Programme levels

11%

21%

22%

27%

30%

48%

53%

53%

57%

60%

61%

65%

75%

79%

80%

0% 20% 40% 60% 80% 100%

Other

Work & Travel Programs

University: Distance Education/Online Learning

Internships

Work & Study Programs

Vocational Diploma/Further Education

Certificate/Foundation

Secondary and High School

Pre-Masters/Postgraduate Qualifying Program (PQP)

Diploma

University: Foundation

MBA Programs

University: Graduate/Postgraduate

English Language Programs

University: Undergraduate

Base No: 1,076


21

Types of language courses

5%

5%

13%

15%

16%

16%

19%

28%

43%

57%

65%

79%

0% 20% 40% 60% 80% 100%

Other

TOIEC preparation

Language for teachers

Language for High School

Group study tour

Language plus another subject

Cambridge exams preparation

TOEFL preparation

Business/Professional language

IELTS preparation

Language for academic purposes

General language

Base No: 638


22

Sectors of interest for work & study programs (top 10)

16%

18%

19%

20%

23%

31%

32%

35%

52%

57%

0% 20% 40% 60% 80% 100%

Events and Fairs

Trade and Retail

Aviation

Automotive

Service Industry

Healthcare

Software Industry

Financial Services

Tourism

Hospitality

Base No: 801


23

Online learning interest

How large is the share of clients in your agency interested in online learning?

Base No: 802

71%

15%

7%4% 3%

0%-5%

5%-10%

10%-20%

20%-30%

>30%


24

Subject areas of interest for online learning

6%

8%

13%

17%

17%

22%

27%

32%

85%

0% 20% 40% 60% 80% 100%

Other

Natural Sciences

Medicine/Healthcare

Media-related studies

Social Sciences

Engineering

Hospitality/Tourism

Computer Sciences

Business-related studies

Base No: 676


25

Degree levels of interest for online learning

Base No: 656

17%

25%

34%

41%

49%

0% 10% 20% 30% 40% 50% 60%

Postgraduate research degrees (PhD, DPhil)

Foundation Degrees

Undergraduate degrees (BA, BSc, etc.)

Postgraduate taught degrees (MA, MSc.)

MBA's


26

30%

36%

43%

38%

35%

40%

54%

61%

79%

64%

43%

51%

56%

0%

49%

54%

68%

67%

79%

73%

43%

49%

59%

0%

51%

54%

67%

70%

79%

77%

21%

25%

27%

34%

35%

37%

59%

62%

70%

70%

16%

20%

23%

30%

34%

36%

58%

61%

64%

65%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%

Spain

France

Germany

Malta

New Zealand

Ireland

Australia

Canada

United Kingdom

USA

2016 (686)

2015 (1072)

2014 (511)

2013 (591)

2012 (605)

Placing students in countries - Language courses


27

Placing students in countries – Secondary and High School

10%

19%

16%

20%

20%

29%

36%

61%

59%

57%

22%

29%

27%

28%

34%

42%

49%

67%

73%

70%

19%

29%

26%

31%

29%

41%

50%

70%

77%

67%

10%

11%

10%

14%

14%

23%

41%

54%

56%

57%

7%

9%

13%

14%

17%

26%

33%

46%

53%

63%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%

Spain

Switzerland

France

Germany

Ireland

New Zealand

Australia

United Kingdom

USA

Canada

2016 (415)

2015 (522)

2014 (303)

2013 (319)

2012 (352)


28

Placing students in countries – Vocational Diploma/Further Education

13%

12%

16%

18%

20%

57%

37%

37%

54%

62%

23%

27%

29%

32%

40%

79%

67%

61%

82%

98%

16%

20%

26%

24%

29%

56%

58%

47%

66%

76%

5%

11%

8%

10%

11%

38%

34%

37%

50%

62%

5%

7%

7%

9%

12%

28%

32%

32%

49%

62%

0% 20% 40% 60% 80% 100% 120%

Italy

Malaysia

Switzerland

Singapore

Ireland

United Kingdom

New Zealand

USA

Canada

Australia

2016 (346)

2015 (590)

2014 (238)

2013 (230)

2012 (367)


29

Placing students in countries – University: Undergraduate

13%

21%

17%

22%

21%

33%

71%

54%

61%

58%

23%

28%

25%

33%

29%

45%

74%

65%

72%

67%

25%

30%

26%

31%

38%

49%

75%

66%

76%

71%

9%

13%

15%

15%

18%

29%

56%

51%

62%

55%

10%

10%

14%

15%

18%

30%

49%

54%

57%

59%

0% 10% 20% 30% 40% 50% 60% 70% 80%

Singapore

Switzerland

Malaysia

Ireland

Germany

New Zealand

UK

Australia

USA

Canada

2016 (648)

2015 (970)

2014 (517)

2013 (563)

2012 (530)


30

Placing students in countries – University: Graduate/Postgraduate

19%

12%

13%

19%

20%

32%

73%

54%

52%

61%

25%

22%

20%

31%

28%

45%

74%

66%

61%

70%

26%

21%

21%

28%

36%

45%

73%

62%

65%

73%

10%

12%

11%

14%

18%

28%

54%

53%

49%

60%

8%

9%

12%

15%

16%

28%

47%

53%

55%

56%

0% 10% 20% 30% 40% 50% 60% 70% 80%

Switzerland

France

Malaysia

Ireland

Germany

New Zealand

UK

Australia

Canada

USA

2016 (565)

2015 (843)

2014 (513)

2013 (538)

2012 (493)


31

Placing students in countries – MBA Programmes

14%

13%

11%

14%

18%

26%

42%

71%

49%

56%

23%

21%

19%

25%

27%

41%

57%

73%

65%

67%

23%

22%

23%

27%

28%

46%

59%

73%

67%

70%

9%

9%

10%

11%

13%

22%

42%

52%

52%

62%

7%

8%

9%

9%

12%

20%

46%

47%

49%

56%

0% 10% 20% 30% 40% 50% 60% 70% 80%

Singapore

France

Malaysia

Germany

Ireland

New Zealand

Canada

UK

Australia

USA

2016 (433)

2015 (658)

2014 (329)

2013 (404)

2012 (420)


33

Trends in overall attractiveness: emerging markets

2%5%5%5%7%

11%12%

11%14%

12%

11%9%9%11%13%

12%13%12%

17%18%

23%18%19%

25%27%

42%47%

47%45%49%

35%38%38%

39%37%

45%45%45%

45%52%

48%51%52%

47%44%

31%28%31%28%

26%

35%37%37%

36%35%

35%34%35%

31%22%

26%25%24%23%22%

16%13%12%

13%13%

19%16%16%

15%15%

9%9%7%8%

9%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

Thailand'12Thailand '13Thailand '14Thailand '15Thailand '16

Singapore '12Singapore '13Singapore '14Singapore '15Singapore '16

Malaysia '12Malaysia '13Malaysia '14Malaysia '15Malaysia '16

Japan '12Japan '13Japan '14Japan '15Japan '16

Very attractive Attractive Unattractive Very unattractive


34

Trends in overall attractiveness: traditional markets

32%33%

35%45%

39%

64%63%64%63%

48%

64%64%66%67%

69%

48%53%

58%60%

59%

73%73%

77%77%

67%

54%54%51%

41%48%

29%28%

29%27%

37%

28%29%27%27%23%

43%37%

34%31%

33%

20%20%

17%16%

26%

10%10%11%10%9%

3%4%

3%5%

10%

3%3%3%2%

3%

6%5%3%4%4%

2%2%1%1%2%

4%4%3%

4%5%

4%5%4%

5%5%

5%4%4%

5%5%

3%5%

5%4%5%

5%5%5%5%5%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

New Zealand '12New Zealand '13New Zealand '14New Zealand '15New Zealand '16

UK '12UK '13UK '14UK '15UK '16

Canada '12Canada '13Canada '14Canada '15Canada '16

Australia '12Australia '13Australia '14Australia '15Australia'16

USA '12USA '13USA '14USA '15USA '16

Very attractive Attractive Unattractive Very unattractive


35

Overall attractiveness of Study Destinations in 2016

14%25%

32%34%34%

41%44%

46%50%50%

58%61%

69%69%

73%76%77%

78%79%

85%87%87%88%

92%92%93%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

Indonesia (240)Philippines (253)

India (281)Hong Kong SAR (245)

Thailand (251)Russia (295)

South Korea (279)South Africa (297)

UAE (279)Malaysia (310)

China (329)Singapore (307)

Malta (368)Japan (322)

The Netherlands (328)France (425)

Italy (359)Spain (361)

Switzerland (362)United Kingdom (576)

New Zealand (482)Ireland (447)

Germany (472)Australia (605)

Canada (629)USA (613)


37

Best study destination for English language courses

United Kingdom

35%

Australia22%

Canada21%

USA12%

Ireland4%

Other6%

Language courses (602) Country Rank 2016

Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

UK 1 1 2 2 1 1 1Australia 2 2 1 1 2 2 3Canada 3 3 4 5 4 4 4USA 4 4 3 3 3 3 2


38

Best study destination for Secondary and high schools

Canada35%

United Kingdom

20%

USA19%

Australia11%

New Zealand7%

Other8%

Secondary and High School (480)Country Rank

2016Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

Canada 1 1 2 3 4 5 5UK 2 2 4 3 1 1 1USA 3 3 1 1 2 3 2Australia 4 4 3 2 3 2 3New Zealand 5 5 5 5 5 4 4


39

Best study destination for Foundation Programmes (University)

United Kingdom

32%

Australia23%

Canada19%

USA14%

Other12%

University: Foundation (433)


Country Rank 2016

Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

UK 1 1 1 2 1 1 1

Australia 2 2 2 1 2 2 2

Canada 3 4 4 4 4 4 4

USA 4 3 3 3 3 3 3

40

Best study destination for Vocational Diploma/Further Education

Australia36%

Canada33%

USA8%

United Kingdom8%

New Zealand5%

Other10%

Vocational diploma / Further education (403) Country Rank

2016Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

Australia 1 1 1 1 1 1 1Canada 2 2 2 2 3 2 3USA 3 4 3 6 5 5 4New Zealand 5 5 3 3 4 4 5


41

Best study destination for Undergraduate Study (University)

USA32%

Canada24%

Australia16%

United Kingdom15%

Germany3%

New Zealand2% Other

8%

University: Undergraduate (524)Country Rank

2016Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

USA 1 1 1 2 1 1 1Canada 2 2 3 4 4 4 3Australia 3 3 2 1 2 3 4UK 4 4 3 3 2 2 2


42

Best study destination for Graduate/Postgraduate Study (University)

USA37%

Canada21%

Australia18%

United Kingdom

14%

New Zealand3%

Germany3%

Other4%

University: Graduate/ Postgraduate (492)


Country Rank 2016

Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

USA 1 1 1 1 1 1 1Canada 2 2 4 4 4 4 3Australia 3 4 2 2 3 3 4UK 4 3 3 3 2 2 2

43

Best study destination for MBA Programmes

USA41%

United Kingdom

20%

Australia15%

Canada14%

Other10%

University: MBA (466)Country Rank

2016Rank 2015

Rank 2014

Rank 2013

Rank 2012

Rank 2011

Rank 2010

USA 1 1 1 1 1 1 1UK 2 2 2 2 2 2 2Australia 3 3 3 3 3 3 3Canada 4 4 4 4 4 4 4


44

Canada28%

Australia22%USA

17%

Ireland9%

United Kingdom

6%

New Zealand5%

Germany3% Other

10%

Work and Study Programmes (378)

Best study destination for Work & Study Programmes


Country Rank 2016 Rank 2015 Rank 2014

Canada 1 1 3

Australia 2 3 2

USA 3 2 1

UK 5 5 5

New Zealand 6 6 4

46

5%

5%

4%

3%

5%

6%

6%

5%

3%

6%

3%

2%

3%

3%

25%

25%

24%

24%

22%

20%

19%

20%

20%

17%

19%

16%

15%

14%

69%

70%

72%

73%

73%

74%

75%

75%

77%

77%

78%

82%

82%

83%

0% 20% 40% 60% 80% 100%

Certificate/Foundation (349)

University: Distance Education/Online Learning (129)

Pre-Masters/Postgraduate Qualifying Program (PQP) (401)

Vocational Diploma/Further Education (325)

University: Foundation (431)

Work & Travel Programs (149)

English Language Programs (670)

Internships (192)

MBA Programs (469)

Secondary and High School (399)

Diploma (425)

University: Undergraduate (610)

University: Graduate/Postgraduate (572)

Work & Study Programs (225)

Less The same More

How many students expect to place in next 12 months –by Programme


48

Study Visa concerns

2%2%2%2%

3%4%4%

5%5%5%5%

5%5%5%

6%7%7%

8%10%10%

15%22%

39%42%

48%55%

0% 10% 20% 30% 40% 50% 60%

Hong Kong SARIndonesia

ThailandUAE

South KoreaPhilippines

South AfricaChinaIndia

JapanSingapore

MalaysiaThe Netherlands

SwitzerlandSpainMaltaRussia

ItalyFranceIreland

GermanyNew Zealand

AustraliaUnited Kingdom

USACanada

Base No: 128


49

Financial concerns

1%1%1%1%1%

2%2%2%2%2%2%

4%4%4%

5%5%

6%6%

10%11%11%

22%26%

35%39%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55%

IndonesiaMalta

PhilippinesSouth Africa

SingaporeHong Kong SAR

IndiaJapan

MalaysiaSouth Korea

UAEChina

FranceItaly

The NetherlandsSpain

RussiaSwitzerland

GermanyIreland

New ZealandCanada

AustraliaUnited Kingdom

USA

Base No: 82


50

Global Economic Situation

0%0%

1%1%1%1%1%1%1%

3%3%

4%4%4%4%

6%6%6%6%

7%9%

11%13%

14%21%

33%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55%

IndonesiaThe Netherlands

Hong Kong SARIndia

MalaysiaMalta

PhilippinesSouth Africa

ThailandSouth Korea

SingaporeItaly

JapanSwitzerland

UAEChina

FranceGermany

New ZealandSpain

RussiaIreland

AustraliaCanada

USAUnited Kingdom

Base no: 70


51

In which countries did you experience these concerns/difficulties (Global Political situation)?

Global Political Situation

2%

2%

2%

2%

2%

2%

4%

4%

6%

6%

6%

8%

10%

31%

37%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55%

China

Hong Kong SAR

Ireland

Japan

The Netherlands

Spain

Malaysia

New Zealand

Canada

France

Germany

Russia

Australia

USA

United Kingdom

Base no: 51


52

Main concerns/questions/complaints - BEFORE departing

58%52%

45% 44%

29%

22%

12%

0%

10%

20%

30%

40%

50%

60%

70%Base No: 712


58%

52%

45% 44%

29%

22%

12%

26%

20%

14%

36%39%

23%21%

0%

10%

20%

30%

40%

50%

60%

70%

Financialdifficulties

Difficulty withlanguage

Personal Safety Difficulty withaccommodation

Culturaldifficulties

Difficulty withthe program

Difficulty withteaching staff

Base No: 712

53

Main concerns/questions/complaints – BEFORE AND AFTER departing


54

Student mobility concerns

Have you experienced any student mobility concerns/difficulties in 2016?

Base No: 718

75%

25%

No Yes


55

What are the main concerns/questions/complaints students and parents have?

Student mobility concerns year-on-year 2009-2016:

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Study visa Financial GlobalEconomicSituation

GlobalPoliticalSituation

Work visa Safety Accreditation Insurance Other

20162015201420132012201120102009

The study visa concerns appear to be experiencing an upturn, as well as concerns with safety


57

Marketing for institutions (top 10)

83%

85%

85%

85%

87%

87%

87%

90%

91%

93%

80% 85% 90% 95% 100%

An online application form which guarantees me VIPservice (provided all supporting documents have been…

Regular visits by you and/or your staff to the educationinstitution (529)

Having guaranteed entry to specific education institutionprograms (533)

Participation in an Agent Incentive scheme (534)

Availability of an online application service (542)

Financial support schemes, including scholarship/bursaryschemes (545)

Agent training workshops organised in the destinationcountry (545)

Prompt payment of commissions (565)

Agent manual with fees and information (572)

Quick response times to enquiries and applications andregular communication updates (582)


58

Marketing – Promotional materials and campaigns

7%

8%

7%

7%

6%

5%

6%

5%

24%

25%

18%

19%

10%

10%

6%

8%

46%

42%

48%

41%

47%

42%

43%

38%

23%

24%

27%

33%

38%

43%

46%

49%

0% 20% 40% 60% 80% 100%

Editorial or Advertorial in local newspapers or magazines(590)

Giveaways (e.g. pens, keyrings, mouse pads, etc.) (597)

Regular e-newsletters or e-zines sent to students (599)

Institution profiles on commercial websites/websitesavailable in your native languages (598)

School/College profiles in your own agency brochure orhandbook (616)

Individual institution brochures in English and your ownlanguage (627)

Marketing and visits to local schools/colleges (612)

Participation in education exhibitions in your country(618)

Very unimportant unimportant important Very important


59

Marketing – Packages and Offers

7%

6%

7%

7%

6%

12%

9%

8%

5%

7%

43%

36%

34%

37%

30%

38%

49%

51%

51%

57%

0% 20% 40% 60% 80% 100%

Making packaged offers which include Englishlanguage/ELICOS plus institution entry (588)

An online application form which guarantees me VIPservice (provided all supporting documents have been

received) (607)

24 hour turnaround on admissions documents (606)

Having guaranteed entry to specific education institutionprograms (603)

Financial support schemes, including scholarship/bursaryschemes (623)

Very Unimportant Unimportant Important Very Important


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Marketing – People and Staff

11%

9%

7%

9%

6%

25%

26%

16%

21%

8%

34%

33%

42%

28%

40%

30%

31%

35%

42%

46%

0% 20% 40% 60% 80% 100%

Authority from institution for you to sign letters of offer(585)

Marketing and Recruitment staff who speak the locallanguage (615)

Regular visits to your office(s) by representatives (618)

A local representative office to provide support to yourrecruitment activities (621)

Student leads provided to you by institutions (594)

Very Unimportant Unimportant Important Very Important


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Marketing – Services

5%

5%

5%

6%

6%

6%

6%

6%

9%

11%

6%

7%

7%

2%

3%

1%

42%

39%

39%

36%

35%

30%

29%

20%

43%

45%

49%

51%

52%

62%

62%

74%

0% 20% 40% 60% 80% 100%

Regular visits by you and/or your staff to the educationinstitution (622)

Agent training courses via the internet (616)

Participation in an Agent Incentive scheme (603)

Availability of an online application service (622)

Agent training workshops organised in the destinationcountry (627)

Agent manual with fees and information (624)

Prompt payment of commissions (618)

Quick response times to enquiries and applications andregular communication updates (623)

Very Unimportnt Unimportant Important Very Important


Thank you for listening!

These slides will be posted on the ICEF North America (Toronto 2018) event page, under ‘seminar programme’ in a few weeks’ time.

Please feel free to contact me with any comments or questions – [email protected]

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The i-graduate ICEF Agent Barometer 2016 North America · 16% 18% 19% 20% 23% 31% 32% 35% 52% 57%...

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Transcript of The i-graduate ICEF Agent Barometer 2016 North America · 16% 18% 19% 20% 23% 31% 32% 35% 52% 57%...