Sean Claessen is executive vice president for strategy and executive creative director at Bond Brand Loyalty
The threat to brand loyalty from Apple Pay
Posted By a Luxury Daily columnist On In Columns,Featured,Opinion | 1 Comment{"ct":"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","iv":"e217011376184a2a296ff6216674211b","s":"9b7f54f4d8ef9b27"}