Dangers of password-based loyalty programs
Posted Bya Luxury Daily columnistOn In Columns,Editor's Choice,Featured,Industry sectors,Marketing,Opinion,Retail | No Comments{"ct":"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","iv":"fdfe3a10022ce62129f2f2da08147a64","s":"65d72bef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George Avetisov is CEO of HYPR