I doubt this is anything new. But they are openly admitting it now.
Mastercard To Expand Digital Biometric ID and “Behavioral Biometrics”
https://reclaimthenet.org/mastercard-to-expand-digital-biometric-id-and-behavioral-biometrics
The leap from simple 'marketing' strategies to something much more controlling is really not that big.
That is why I shun the CC perks and use cash whenever possible. Nobody knows where the cash came from, nobody knows where it went, nobody knows who used it, nobody knows what time I used it, nobody knows where I am when I used it, etc. etc. And NO.....I don't have a smart phone or a smart car. And I also don't have anything to hide.....but I like my privacy b/c I just do. Once you give it up.....it's gone!
Nobody needs to know when I go grocery shopping, what food I'm buying, or how much I spend on it. Pretty soon, health insurance premiums will be calculated based on shopping habits if we don't push back. It's really not that far out.