What's wrong with my cold email?

I'm only getting around a 15% response rate for my emails and I'm not sure what I'm doing wrong or if this is expected from cold emails.

Subject Line: XXX university student seeking career information or XXX university student reaching out (for alumni)

Body:
Hello Mr/Ms,

My name is XXX and I am a [grade level] majoring in Finance at the XXX university. I am interested to learn more about investment banking and [Firm Name] in particular. Would you have some time next week for a quick call? I would appreciate the chance to learn about your experiences and any advice you could give me.

Sincerely,
My name

Any critiques are appreciated