• The MNO owns the SIM card (UICC), and the mobile device manufacturer owns the embedded SE. Therefore, mobile wallet service providers (SPs), which include payment gateways, processors and mobile wallet application providers, must request access to SIM cards and embedded SEs from the MNOs and mobile device manufacturers, and new business agreements and
data transfer channels between SPs and SE issuers are needed.
• The MNO owns the SIM card (UICC), and the mobile device manufacturer owns the embedded SE. Therefore, mobile wallet service providers (SPs), which include payment gateways, processors and mobile wallet application providers, must request access to SIM cards and embedded SEs from the MNOs and mobile device manufacturers, and new business agreements anddata transfer channels between SPs and SE issuers are needed.
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