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Is Apple about to launch Apple Pay this week? It will replace wallets, and cash, and credit cards but the question is “how long will it take?”; I facilitated a think tank in São Paulo Brazil for new online insurance company Kiseguro. A fantastic success getting 15 of Brazil's smartest independent minds in one room for a full day. The information and initiatives that came from that meeting were amazing. All companies should have a think tank at least once a year; what colors are hot in advertising this year; instead of photos of your genitals disappearing off Snap Chat for ever, hackers hav
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