www.timetrade.

com

The State of Retail Banking:

Consumer Survey

2016

Author:
Sarah Wallace
Sarah Wallace currently works as the Principal Market Analyst for TimeTrade.
Wallace provides market research and analysis of the retail, banking, financial
services, health and wellness, higher education, insurance and telecom
vertical markets. Wallace previously served as an Analyst for the telecom
industry covering topics such as Next Gen Customer Experience, Big Data
Analytics, Omni-channel, Social CRM and OSS/BSS.

@sarah_wallace

linkedin.com/in/sarahwallaceanalyst

Copyright 2016 by TimeTrade Systems, Inc.

State of Retail Banking: Consumer Survey 2016 is licensed under the Creative Commons Attribution-ShareAlike 4.0
International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/

ISBN 978-0-692-68643-0

TABLE OF CONTENTS
1.

Executive Summary

Figure 1. A brief guide to the generations

2. Key Findings

5
Report Scope and Structure

How Consumers Choose and Interact With Their Bank

2.1

3.

Figure 2. What are the most important factors when you are choosing your bank?

Figure 3. How do you like to interact with your financial institution?

Figure 4. How do you like to interact with your financial institution? (Demographic)

4.

Consumers and the Branch Experience

Figure 5. How many times do you visit your branch per year?

Figure 6. How many times do you visit your branch per year? (By Demographic)

Figure 7. What are the reasons you come into the branch?

10

Figure 8. What are the reasons you come into the branch? (By Demographic)

10

Figure 9. What is most important to you when you visit your branch?

11

Figure 10. What is most important to you when you visit your branch? (By Demographic)

11

Figure 11. How long are you willing to wait at your branch?

12

Figure 12. How long are you willing to wait at your branch? (By Demographic)

12

Figure 13. What are some service enhancements you would like?

13

Figure 14. What are some service enhancements you would like? (By Demographic)

13

Figure 15. Some banks are now offering cafe-style environments with free wi-fi. Would this

influence where you choose to bank?

14

Figure 16. How do you feel about experimental bank branches that have no tellers and every transaction

is automated?

14

Figure 17. How do you feel about experimental bank branches that have no tellers and every transaction

is automated? (By Demographic)

15

Figure 18. Would you be willing to schedule an appointment to meet with a specialist in the branch

(i.e, mortgage specialist, wealth management advisor)?

15

Figure 19. Would you be willing to schedule an appointment to meet with a specialist in the branch

(i.e, mortgage specialist, wealth management advisor)? (By Demographic)

16

Figure 20. Would you be willing to come into the bank during off-peak times if an incentive were provided?

16

Figure 21. Would you be willing to come into the bank during off-peak times if an incentive were provided?

(By Demographic)

17

5.

18

Consumers Willingness to Take a Post-Visit Survey

Figure 22. Would you be willing to answer a 5-question survey from your bank to provide feedback on your

most recent branch visit?

18

Figure 23. Would you be willing to answer a 5-question survey from your bank to provide feedback on your

most recent branch visit? (By Demographic)

19

Figure 24. If yes, what types of surveys would you be willing to answer?

19

Figure 25. If yes, what types of surveys would you be willing to answer? (By Demographic)

20

6.

21

Banking Customers Want Cross-Selling

Figure 26. Aside from checking and savings, what other services do you use your bank for?

21

7. Conclusion

23

Executive Summary

There is no doubt that todays consumers have become

Consumers have also expressed apprehension when

more demanding and there is continued discussion

it comes to true automation. As when presented the

about automated services and the digitization of

scenario of a truly automated bank with no associates

everything. However, what TimeTrade research reveals

present, consumers opted for a scenario where a person

is that consumers are actually looking more and more

was available to help. This indicates that a high value, in-

to have an in-person interaction, rather than just use

person meeting is still a priority and gives banks a prime

automated services.

opportunity for cross-sell which is greatly needed since

TimeTrade recently conducted a survey of 2,064

consumers which asked in-depth questions regarding their
perceptions and behaviors around customer experience
in banking. What the survey reveals is that nearly half of
consumers actually want to visit their branch as 43% of
respondents report they visit their branch 10 times per

consumers admit that insurance and wealth management

are the services they use least with their bank. An in-person
meeting allows for opportunity to create heightened
awareness of such offerings. However, cross-selling must
also be embedded in the corporate culture in order for it to
truly be effective.

year or more. What is the driver behind this increase in

Consumers also show a willingness to answer a

visiting the branch? The younger demographics such as

5-question survey after their in-branch visit. This allows

Gen Z (20 and under) and Millennials indicate they are

a bank to collect valuable data that will allow them to

most willing to go into a branch if they have an important

increase operational efficiency and improve customer

question. And, as Millennials are coming of the age, they

experience on a branch and even at an associate-

are buying their first homes and want in-person guidance

specific level.

for such major purchasing decisions.

This report examines the highlights from TimeTrades

survey and discusses what financial institutions can do to
meet customers needs.

Figure 1. A brief guide to the generations

Gen Z

Millennials

Gen X

Baby Boomers

Ages 20 and under

Ages 20 - 35

Ages 36 - 54

Ages 55 - 71

Key Findings

Consumers are visiting their branches: 43% of

respondents report visiting their bank branch more
than 10 times a year.
Products and services are some of the top priorities
for banking consumers: Location and hours are
most important to consumers when choosing a bank,
followed by products and services.
Convenience and personalization are important to
consumers: Convenient location and personalized
service are the factors most important to respondents
when they visit their branch.
Insurance and wealth management are the least
likely added bank service: Insurance and wealth
management are the added bank services that
consumers use the least. This indicates that these
services are undersold and there is a lot of room for
improvement in terms of cross-selling them.
Consumers still want to meet a bank specialist in
person at the bank: When asked how they would like
to interact with their financial institution, 57% say they
would like to interact with their bank in-person at
the branch.
Consumers are not ready for fully automated
branches: When banking consumers were asked how
they felt about experimental bank branches that have
no tellers and every transaction is automated, more
than half would still like the option of being able to talk
to a teller.
Drivers for in-branch visits require assistance: 78% of
the reasons consumers come into the branch require
assisstance from a specialist.

Added bank services that consumers use most:

Besides checking and savings, the bank services that
consumers use most are notary, followed by car loans
and mortgages.
The younger demographics want to interact with their
bank over a mobile device: When broken down by
demographic, Millennials and Gen Z are the age groups
that most prefer to interact with their bank on their
smartphone via a mobile app.
Consumers are willing to schedule an appointment
to meet with a bank specialist: The majority of
survey respondents would be wiling to schedule an
appointment to meet with a specialist in the branch.
Apathy towards cafe style branch: Consumers are, for
the most part, uncaring about whether or not a bank
branch has a cafe-style environment and report it has
no influence on their decision of where they bank.
Consumers are willing to bank off-peak hours if given
an incentive: An overwhelming majority of consumers
would be willing to come into the bank during off-peak
times if an incentive were provided.
Consumers are willing to take a 5-question post-visit
survey: An overwhelming majority of consumers are
willing to take a 5-question survey after they visit their
local branch.
Email surveys are the most desired: The majority of
consumers are willing to answer the post-visit survey
via email followed by text/SMS.
Time is of the essence: 64% of respondents indicate
they are willing to wait less than 10 minutes at their
bank branch.
5

2.1 Report Scope and Structure

State of Banking 2016 is structured as follows:

Section III reviews why customers choose their

Section VI discusses consumers and the branch

banks and how they prefer to interact with their

financial institution

experience; reasons for coming to the branch,

what are priorities for their in-branch experience,
perceptions about wait-times, desired service
enhancements, perceptions about innovative
branches models and technology such
as scheduling

Section V discusses consumers willingness to take

Section VI discusses how banking consumers

Section VII Conclusion

a post-visit survey

actually want you to cross-sell to them

How Consumers Choose and Interact With Their Bank

Some consumers may be banking with

Figure 2. What are the most important factors when you are

their current financial institution because

choosing your bank? (Choose all that apply)

it is the one they chose years ago and

have not changed. However, in a time
where the web is easily at our fingertips,
researching for a new financial provider is
more convenient than ever.
TimeTrade recently surveyed 2,064

68%

Location / Hours
Products and Services

61%

Rates

61%

consumers about customer experience

in banking. When asked what factors they
consider when choosing a bank, location/
hours and products and services are the

55%

Reputation
Size

14%

top priority (Figure 2).

And, when broken down by demographic,
the Millennials are the age group that
choose products and services the most
with 65%.

How Consumers Choose and Interact With Their Bank (cont.)

Forrester recently conducted a study1 for Deluxe

Figure 3. How do you like to interact with your financial

Financial Services asking over 3,000 consumers

institution? (Choose all that apply)

how they choose a bank. The study found that

respondents preferred to search online, as well as

Online Banking

ask advice from family and friends. Scott Wallace,

vice president of marketing for Deluxe Financial
Services notes that We believe this survey
shows that customers want multiple research
channels and tools before they will engage their
local branch to open a new account. This is

67%

(Desktop or Tablet)

57%

In Person at the Branch

On my Smartphone

55%

(Mobile Banking Application)

52%

ATM

particularly true when it comes to Gen Z (20 and

under) who are opening their first accounts and

26%

By Phone

do not yet have a banking history.

So once consumers choose a bank, how do they

When broken down by demographic, Millennials and Gen Z are the

prefer to interact with the institution? Sixty-seven

age groups that most prefer to interact with their bank on their

percent of respondents prefer interacting with

smartphone (Figure 4).

their bank online (through their desktop or tablet)

while 57% prefer in person at the branch, and 55%
prefer on their smartphone through their mobile
application (Figure 3).

The fact that in-branch comes in second over the smartphone

indicates that consumers overall rank in-person help one of their
top priorities when they communicate with their bank.

Figure 4. How do you like to interact with your financial institution? (Choose all that apply) (by Demographic)
Online Banking
(Desktop or Tablet)

In Person at the Branch

On my Smartphone

52%

(Mobile Banking Application)

65%

ATM

58%

By Phone

73%

54%

22%

27%

70%

48%

54%

68%

75%
57%
29%

69%

53%
55%

Gen Z

27%
44%

Millennials
Gen X
Baby Boomers

26%

Solving the Omni-Channel Dilemma: The Digital Consumers Path to Purchase a Financial Product, Forrester Consulting, July 30th, 2015 How a Great
Customer Experience Is Really Delivered, Victor Liu and Robert Schiff, American Banker.com, June 25, 2015.
1

Consumers and the Branch Experience

Since in-branch ranks high in terms of desired interaction,

Figure 5. How many times do you visit

TimeTrade asked consumers about their overall in-branch

your branch per year?

experience. When asked how many times they visit the

branch, nearly half of respondents (43%) report more

43%

than 10 times a year, with 31% reporting more than 5

(Figure 5).

31%

And, when broken down by demographic, Baby Boomers

and Gen X were the age groups that visit the branch the

21%

most (Figure 6). What this illustrates to banks is that

there is an opportunity to cross-sell other services such as
loans, mortgages, and wealth management/retirement.

5%

More than 10
More than 5
Less than 5
I did not visit my branch in the last year

Figure 6. How many times do you visit your branch per year? (By Demographic)
53%
46%
42%

31%

39%

Gen Z

37%

Millennials

29%
22%

23%
18%

Gen X

21% 21%

Baby Boomers

7%
3%

More than 10

More than 5

Less than 5

5% 4%

I did not visit my

branch in the last year
9

Consumers and the Branch Experience (cont.)

The top reasons t h a t su r vey

respondents come into the branch

Figure 7. What are the reasons you come into the branch?
(Choose all that apply)

are to make a deposit/withdrawal

72%

Make a Deposit / Withdrawal

(72%), to use the ATM (50%) and

to open an account (39%) (Figure

50%

Use the ATM

7). TimeTrade notes consumers

may make a deposit/withdrawal

39%

Open an Account

via the ATM, and that 78% of the

Business Services

reasons consumers come into the

branch require assisstance from a

17%
13%

Mortgage / Loan

specialist. In Figure 8, Gen Z and

Millennials are the age groups most

Weath Management /
Retirement / Insurance

likely to open a new account.

9%

Figure 8. What are the reasons you come into the branch? (Choose all that apply) (By Demographic)
Gen Z

Millennials

Make a Deposit / Withdrawal

Open an Account

Mortgage / Loan
Weath Management /
Retirement / Insurance

10

Baby Boomers

75%

67%

60%

Use the ATM

Business Services

Gen X

48%
11%

21% 22%

10% 17% 14% 6%

7%10% 11% 9%

62%
48%
14%

69%
54%

38%

25%

75%
39%

Consumers and the Branch Experience (cont.)

Figure 9. What is most important to you when you

The fact that wealth management and insurance are the

visit your branch?

bottom reasons indicates that these services are being

drastically undersold.

38%

Convenient location (38%) and personalized service (35%)

35%

are the factors most important to respondents when they

visit their branch (Figure 9).

27%

And, across all age groups, personalized service is

about the same in terms of priority, which falls second
to location (Figure 10). In order to provide a more
personalized service, associates must be trained to be
customer advocates. The latest trend is that of universal
tellers so associates are knowledgeable in different areas
of banking.

Convenient Location
Personalized Service
Hours of Operation

Figure 10. What is most important to you when you visit your branch? (By Demographic)
Gen Z

Millennials

Convenient Location

39%

Personalized Service

34%

Hours of Operation

27%

Gen X

Baby Boomers

34%
34%
32%

37%
31%

31%
32%

47%

22%

11

Consumers and the Branch Experience (cont.)

Figure 11. How long are you willing to wait at your branch?

Sixty-four percent of respondents

indicate they are willing to wait less
than ten minutes, while 36% are willing

47%

to wait 10 minutes or more (Figure 11).

Not at all
Less than 5 minutes

When broken down by demographic,

36%

the majority of all groups report they

Less than 10 minutes

are willing to wait less than ten minutes

10 minutes or more

(Figure 12).

15%

2%

Figure 12. How long are you willing to wait at your branch? (By Demographic)

52%
45%

44%
33%

Gen Z

47% 46%

Millennials
Gen X

35%

Baby Boomers

26%

25%
14%

17%

8%
3%
Not at all

Less than 5
minutes

12

Less than 10
minutes

1% 1%

3%

10 minutes or more

Consumers and the Branch Experience (cont.)

When asked what service enhancements

they would like, 69% of respondents report
having the ability to bank after typical
business hours and 46% would like the

Figure 13. What are some service enhancements you would like?
Ability to bank after typical
business hours

69%

ability to have a pre-booked appointment

Ability to have apre-booked
appointment

(Figure 13).
Millennials are the age group that would

46%
38%

Free Wi-Fi capabilities

most like to have the ability to have a prebooked appointment with 53% responding

21%

Cafe environment

(Figure 14). Financial institutions can

use various touch points to engage with

Ability to have a video call

from home with a
financial advisor

customers and offer them the ability

to schedule an appointment, especially

18%

during a time when a customer is trying

to make a crucial decision (such as filling
out an online mortgage application) and
they feel the need to meet with an expert
in person.

Figure 14. What are some service enhancements you would like? (By Demographic)
71% 71%
64%

Gen Z

64%

43%

Millennials

57%

53%

Gen X

46%
39%

39%
31%

26%
19%

Baby Boomers

17%

23%

9%

Ability to have
a pre-booked
appointment

Ability to bank
after typical
business hours

Ability to have a
video call from
home with a
financial advisor

Free Wi-Fi
capabilities

31%
20% 19%
15%

Cafe environment

13

Consumers and the Branch Experience (cont.)

With so much buzz the last few years regarding cafe-

When banking consumers were asked how they felt about

style branches and banks such as Capital One opening

experimental bank branches that have no tellers and every

these types of banks in various markets or Virgin Moneys

transaction is automated, 61% say they would rather

tellerless lounges, respondents still are not totally swayed

have a teller they could talk to (Figure 16). This proves

by this model as only 40% of respondents admit this type

that consumers are not 100% comfortable with total

of bank does not make a difference to them in terms of

automation in banking.

where they bank (Figure 15) and 34% say it only matters
somewhat. In other words, the jury is still out whether

Figure 16. How do you feel about experimental bank

these type of branch models will really increase a

branches that have no tellers and every transaction is

banks business.

automated?

61%

Figure 15. Some banks are now offering cafe-style

environments with free wi-fi. Would this influence
where you choose to bank?

39%

26%
40%

34%

Yes
Somewhat
Does not make a difference

14

I like the idea

I would rather have a

teller I could talk to

Consumers and the Branch Experience (cont.)

When broken down by age groups, Baby Boomers are the

Sixty-five percent of survey respondents would be willing

demographic that most want a teller present with 77% but

to schedule an appointment to meet with a specialist in

surprisingly, Gen Z and Millennials are second with each

the branch (i.e., mortgage specialist, wealth management

having 58% responding (Figure 17).

advisor) (Figure 18).

Figure 17. How do you feel about experimental bank

Figure 18. Would you be willing to schedule an

branches that have no tellers and every transaction is

appointment to meet with a specialist in the branch

automated? (By Demographic)

(i.e, mortgage specialist, wealth management advisor)?

Gen Z

Millennials

Gen X

Baby Boomers

77%
59%
42%

58%
42%

35%

58%
41%

23%

65%
Yes
No

I like the idea

I would rather have a

teller I could talk to

15

Consumers and the Branch Experience (cont.)

Millennials (with 75%) are the age group that

Figure 19. Would you be willing to schedule an appointment to

is most likely to schedule an appointment

meet with a specialist in the branch (i.e, mortgage specialist, wealth

(Figure 19). This demographic is now

management advisor)? (By Demographic)

coming into the age where they are getting

75%

married, making more money, and looking

to buy their first home. With this in mind, it
is not a surprise that they are the age group
most likely to schedule an appointment to
meet with a bank specialist.

66%

60%

57%
43%

40%

34%
25%

Eighty-nine percent of survey respondents

would be willing to come into the bank
during off-peak times if an incentive (such
as discounted fees or lower interest rates)
were provided (Figure 20). This is a signal
to banks that promotions for off-peak times

Gen Z

Millennials

will be a win-win.

Yes

Gen X

Baby Boomers

No

Figure 20. Would you be willing to come into the bank during offpeak times if an incentive were provided?

Yes

35%

No

65%

16

Consumers and the Branch Experience (cont.)

Gen X (94%) and Millennials (90%) are the demographics most likely to
come into the bank during off-peak times if given an incentive, followed by
Baby Boomers (89%) (Figure 21).
Figure 21. Would you be willing to come into the bank during off-peak
times if an incentive were provided? (By Demographic)

94%

90%

83%

17%

Gen Z

10%

Millennials

Yes

89%

6%

Gen X

11%

Baby Boomers

No

17

Consumers Willingness to Take a Post-Visit Survey

According to the TimeTrade survey, a great majority of

consumers reveal that they are willing to answer up to
5 survey questions after an in-branch visit (Figure 22).

Figure 22. Would you be willing to answer a 5-question survey from your bank to provide feedback on
your most recent branch visit?

These questions allow banks to ask key questions about

the customers in-branch experience including; the reason

Yes

for their visit, their wait time, their experience with the
bank associate and if the associate was knowledgeable.
All this data contributes to a 360 degree understanding of

15%

No

the customer, as well as an understanding of branch and

associate performance.
Banks find that Net Promoter Score (NPS) and analytics
can enable more efficient bank operations and ultimately
enhance customer experience. And, leading banks today
are always looking to improve how they collect and
use such data. This helps them in making faster credit
decisions, identifying customer profitability and making
next best offers which will be done in real-time over
digital channels.
Many organizations today agree that NPS is the single
most popular way to measure progress with customer
experience programs. In terms of verticals, the banking
industry usually receives lower NPS scores than
other industries, but according to a recent post on the
SatMetrix.com blog, retail banking and credit cards saw
a stable year in 2015 and financial institutions such as
USAA continue to lead the banking sector, with an NPS of
75way ahead of its competitors.2

2
Findings from the 2015 Consumer NPS Benchmarks - Part I: Finance & Retail
SatMetrix.com, April 17, 2015.

18

85%

Consumers Willingness to Take a Post-Visit Survey (cont.)

According to Figure 23, Millennials and

Figure 23. Would you be willing to answer a 5-question survey from

Gen X are the age groups most willing

your bank to provide feedback on your most recent branch visit?

to answer a 5-question survey after a

(By Demographic)

branch visit.

88%

Eighty-three percent are willing to

answer

the

post-visit

survey

88%

85%

75%

via

email followed by text/SMS with 37%

(Figure 24).

25%
12%

Gen Z

Millennials

15%

12%

Gen X

Yes

Baby Boomers

No

Figure 24. If yes, what types of surveys would you be willing to answer?
(Choose all that apply)

83%

Email

37%

Text / SMS
In Person
Telephone

21%
19%

19

Consumers Willingness to Take a Post-Visit Survey (cont.)

In terms of age groups, all age groups are most likely to answer surveys via email,
especially Gen X and Baby Boomers (each with 88%) (Figure 25).
Figure 25. If yes, what types of surveys would you be willing to answer?
(Choose all that apply) (By Demographic)

Gen Z

Millennials

85%

Gen X

Baby Boomers

88% 88%

74%

46% 45%
36%
17%

Email

20

Text / SMS

15%

19% 20%

Telephone

22%

22%

75%

18%

In Person

22%

Banking Customers Want Cross-Selling

Over time, TimeTrade research has revealed that banking

Banks who properly cross-sell these services will also

customers want banks to cross-sell to them, especially in

have an opportunity to draw customers into the branch, as

value-added areas of wealth management and insurance.

Gen Z (59%) and Millennials (55%) report that they prefer

The majority of respondents (80%) admit they would

change their wealth management for better rates and
more personalized service. Respondents also admit they
would change their insurance company for an agency that

to discuss important questions in person with a financial

advisor or an insurance agent. This is why converting a
customers digital inquiry into an in-person meeting is
so crucial.

provided a better customer experience when it came to

Figure 26 shows that insurance and wealth management

handling claims.

are the added bank services that consumers use the

least. This indicates that these are undersold and there
is a lot of room for improvement in terms of cross-selling
such services.

Figure 26. Aside from checking and savings, what other services do you use your bank for?
(Choose all that apply)

35%

Notary

33%

Car Loan
Mortgage

29%

Insurance

23%

Wealth Management

23%

(Retirement)

21

According to an article on the FinancialBrand.com, banks

Corporate Culture The article advises that a successful

must shift from a product-driven model to a demand-

cross-sell program has to be part of the corporate culture

driven orientation where the focal point becomes the

with aggressive share of wallet and relationship growth

consumer. Financial services firms need to change their

goals that are communicated, tracked and accountable

cross-selling strategies to align with this new reality.

across the organization. It also states that cross-selling

Leveraging expanded data insights and a customer-

has to be a holistic approach across all channels

first positioning will enable a more compelling customer

including online as well as part of the front line CRM

experience resulting in greater sales and loyalty.

platform to truly reach peak effectiveness.

The article suggests the following best practices for

Moving from Selling to Advising Moving from a

cross-selling:

Selling to an Advising mentality, ensuring that offers

Segmentation Segmentation is a common way to

incorporate customer attitudes and is extremely powerful
in bank cross-sell programs. The articles states that there
are several distinct segments that banks can incorporate
using lifestyle segmentation variables integrated with a

and communication are created with a customer-first

execution. For example, if a traditional retail bank is now
cross-selling financial planning, they have to build an
advisory strategy that reinforces the organization as a
trusted provider of choice for financial services.

next-most-likely-product model building process.

Moving Beyond Traditional Bank Cross-Selling FinancialBrand.com, November 11, 2015.

22

Conclusion

This year consumers report they are actually going into

management providers if presented with better rates. To

branches, and while they seem even more apathetic about

close the communication gap, banks need to make more

cafe-style branch models, they indicate when they go into

of an effort to cross-sell these services.

a branch they expect to be served quickly. Personalization

is still a priority to consumers in banking, and even the
younger age groups want to meet in person if they have an
important question. At the same time, consumers confirm
their need for in-person interaction by admitting they do
not yet have confidence in a fully automated branch and

Banking consumers also admit they are more than

willing to fill out a 5-question survey after they visit their
local branch. This gives banks the opportunity to collect
valuable data that gives a more holistic view of the
customer as well as gives them measurement of bank

prefer to have a teller on hand to help them.

and associate performance. As the banking industry as a

TimeTrade also notes that insurance and wealth

improving operations and ultimately enhancing customer

management are at the bottom of the list in terms of

experience can be accomplished if they can make logical

banking consumers additional services. In contrast,

sense of their collected data.

whole has a low NPS score compared to other verticals,

they are very willing to change insurance and wealth

23

About TimeTrade
TimeTrade provides an appointment scheduling SaaS solution to consumer
retail, retail banking, health and wellness, higher education and telecom
customers. TimeTrades appointment-centric customer experience solution
enables customers to convert digital first touch interactions into a high-value,
in-person meeting. TimeTrade has driven more than 400 million connections
between consumers and businesses, directly translating into more than $3
billion in commerce every year.

You may contact or follow TimeTrade on social media via:

www.timetrade.com