Exclusive [mind Retail Exclusive] After the restaurant industry, Passcloud expands an e-marketing wallet with Etam, Viveh and Ni Cosmetic Americas Europe Passcloud, a French-American start-up specialising in digital wallet marketing, is diversifying towards fashion and beauty retailers, affiliate marketing agencies and travel retail. Co-Founder and C.E.O. Ludovic Chayrigues tells mind Retail about new customers and the outlook for retail tech.