It's whatever these luddites dream up in their intelligence-stricken skulls. It also changes depending on the day of the week and the direction of the wind.
For example, our current credit system is much closer to "mark of the beast" level stuff than a society where everything is paid for with physical cash, but the same people who are afraid of the mark are fine with credit cards because it keeps undesirables away from them. The truly destitute are not going to have a credit card most of the time, and if they do it's because they're cashing checks through a payday lender who keeps 3% of their income plus a service fee in order to keep their account.