Dangers of password-based loyalty programs
Posted By a Luxury Daily columnist On In Columns,Editor's Choice,Featured,Industry sectors,Marketing,Opinion,Retail | No Comments{"ct":"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","iv":"30f88acf93f2159e659870773464c59c","s":"e6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George Avetisov is CEO of HYPR