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by lxgr 1689 days ago
Maybe, but you'd be surprised what kinds of SIM application toolkit based products there are in the world. These are actually running on the SIM, with your phone only proxying input/output!

For example in many African countries, you have M-Pesa [1], which was at least initially entirely based on SAT.

[1] https://en.wikipedia.org/wiki/M-Pesa