OMNY suddenly requires unlocked iPhone - Express Transit option no longer available in Wallet

iPhone 12 iOS 17.4.1

OMNY was set up in my Wallet with the same credit card since 2022. I never had to unlock my phone to use it. I upgraded to the lates iOS weeks ago with no issue. As of Monday (2 days ago), I now have to unlock or double tap for it to work. I haven't changed anything. When I go into Wallet, the Express Transit option is no longer there. I've rebooted the phone. It is still not there. Please advise.