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":"3490320c9e86b00ce07e055b3a9ecac9","s"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George Avetisov is CEO of HYPR