Quoting wikipedia: SIM Application Toolkit (commonly referred to as STK) is a standard of the GSMto initiate actions which can be used for various value-added services.

The most prominent value-added service are encrypted sms messages used by some banks (I know of 4 banks, use one of them actively) to protect customer data sent over GSM. Without the STK, users can't accept encrypted bank messages and are disallowed access to their online banking.

Additionally, there is a 3G networks equivalent called USIM Application Toolkit (or USAT).

STK is supported by superold nokia bricks, as well as newest symbian/android smartphones. There's no reason why for example the n900 shouldnt support it

Anyone found a workaround for this?