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The SIM card is a smart card, i.e. a secure piece of hardware, that protects the telephone network from the subscriber - most importantly, it ensures that the network has someone to bill. In most western countries, SIMs do little else; however, they are full application platforms, allowing stuff like Kenya's mobile payment network https://en.wikipedia.org/wiki/M-Pesa. For what it's worth, you really don't want to have every network provider negotiate with Samsung for the particular access policy of that network. "Not compatible with your telephone" indeed! |
If you have a credit/debit card with a chip, look at the arrangement of the contacts and compare to a SIM card. It's essentially the same standard (ISO 7816) at the lower layers, but with different application-layer protocols on top.
Also, as a matter of being the only device in posession of the subscriber but arguably owned by the telco, I'd definitely prefer it to be a removable piece which communicates over a standard interface. The alternative of embedding it into the handset is far worse from the perspective of lock-in and perhaps security.