It's incredibly misleading to call a phone app a "card". This is much worse than it sounds. Am I going to be forced to buy a smartphone? Am I going to be forced to run non-Free software? Am I going to be forced to enter into a restrictive contract with a foreign corporation?

Hah this is the UK. No, it'll be optional to begin with to make people like you asking important questions seem like a whacko. Then once they use propaganda to make people opt into it, and it reaches mass adoption, then it'll quietly be made mandatory - or extremely annoying not to have it