In 2023, only 21% of advisors were not using messaging apps, down from 32% in 2022. Advisors are mirroring their leisure behavior in their business communications. The most popular messaging apps were Facebook (48%), Zoom (40%), and WhatsApp (39%). The use of supplier apps which was at 14% in 2022, has dropped to 9%. 32 | CHART 15 MESSAGING APPS USED BY ADVISORS TRENDS IN THE RIVER CRUISE SEGMENT Facebook Messenger Zoom WhatsApp iMessage Instagram Microsoft Teams Google Meet Supplier apps Skype I do not use any instant messaging apps 48% 40% 39% 25% 18% 12% 9% 9% 6% 21%