FYI, SIM cards aren't necessary for NFC. In fact, it is only the carriers that would prefer the SIM be used as the secure element, as they have control over it.

FYI, SIM cards aren't necessary for NFC. In fact, it is only the carriers that would prefer the SIM be used as the secure element, as they have control over it. Other potential NFC players would prefer the secure element be separate, so that the carrier doesn't have control over NFC-based transactions. And, ISO 14443 is not directly related NFC, which is governed by ISO 18092 and ISO 21481.