The article gives an overview of mobile applications and looks at how to co
nsider partnership opportunities. SIM cards are a key technology and the ar
ticle discusses how they can be exploited for m-commerce. This is difficult
without owning a mobile network and the article describes how this can be
achieved through being some form of virtual player. A useful way of relatin
g applications to human behaviour and application environments and platform
components are also discussed. As well as the SIM card, mobile terminals a
re considered, separating them conceptually from handsets. It is concluded
that there is a wealth of opportunities but massive uncertainty about what
kind of mobile services will be really successful in the future.