Abstract: “Smart cards used in mobile phone, namely Subscriber Identity Module (SIM) cards, became a place where various value added services are proposed. SIM cards, in addition to authenticating users to the cellular network, contain a secure storage area, which provides necessary security conditions and performs data encryption and decryption. Mobile Network Operators (MNOs) and service providers such as banks use this area to provide value added services to the users. Security required value added services such as mobile financial services, e-government services, digital signature services can also be offered via SIM cards which require end-to-end secure data exchange between the service provider and the SIM card. In this paper, we analyze the current situation deeply, list several publications those are somewhat related to the subject, and put forward the risks and challenges with the problem.”

Keywords: Smart card, SIM card, Mobile Network Operator, Service Provider, end-to-end securit