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 Bya Luxury Daily columnistOn In Columns,Featured,Opinion | 1 Comment{"ct":"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","iv":"00bad01e11de2e24fa1f569931da586e","s":"dda47d7cf95d3528"}