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==Advantages==
* Some manufacturers claim that STK enables higher levels of security through identity verification and [[encryption]], which are necessary for secure electronic commerce.
* STK has been deployed on the largest number of mobile devices.
==Limitations==
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To deliver updates, either the SIM must be returned and exchanged for a new one (which can be costly and inconvenient) or the application updates must be delivered [[Over-the-air programming|over-the-air (OTA)]] using specialized, optional SIM features. {{as of|October 2010}}, [[mobile network operator]]s can, for example, deliver updated STK application menus by sending a secure [[SMS]] to handsets that include a Toolbox (S@T) compliant [[Mobile browser|wireless internet browser (WIB)]]. When using a SIM card compliant to the BIP (Bearer Independent protocol <ref>{{cite web|url=http://www.openmobilealliance.org/release/SCWS/V1_2-20130305-A/OMA-TS-Smartcard_Web_Server-V1_2-20130305-A.pdf|title=OMA TS Smartcard Web Server, p.76 Appendix C. Bearer Independent Protocol}}</ref>) in a BIP-compliant handset, the updates can be delivered very quickly as well (depending upon the network connectivity available to and supported by the handset, i.e. [[GPRS]]/[[3G]] speed). It might also be possible to change the menu of STK applications based on the Wireless Internet Gateway (WIG) specification.<ref>{{cite web|url=http://www.gemplus.com/press/archives/2004/telecom/15-06-2004-ota_saudi.html |title=Gemplus has become Gemalto |publisher=Gemplus.com |date=2006-06-02 |access-date=2014-06-18 |url-status=dead |archive-url=https://web.archive.org/web/20110411013110/http://www.gemplus.com/press/archives/2004/telecom/15-06-2004-ota_saudi.html |archive-date=April 11, 2011 }}</ref><ref>[http://www.smartcardalliance.org/industry_news/industry_news_item.cfm%3FitemID%3D357 Gemplus to Deliver SIM Card-Based Solution to Oi For First GSM Launch in Brazil - Smart Card Alliance<!-- Bot generated title -->] {{webarchive |url=https://web.archive.org/web/20060925044023/http://www.smartcardalliance.org/industry_news/industry_news_item.cfm%3FitemID%3D357 |date=September 25, 2006 }}</ref> The update limitations hinder the number and frequency of STK application deployments.<ref>http://www.mygemplus.com/pss/telecom/download/GemConnect_online_sdk.pdf{{Dead link|date=September 2018 |bot=InternetArchiveBot |fix-attempted=yes }}</ref>
STK has essentially no support for multimedia, only basic pictures.<ref name="autogenerated4">[http://bladox.com/devel-docs/gen_stk.html SIM Toolkit<!-- Bot generated title -->]</ref>
The STK technology has limited independent development support available.<ref name="autogenerated4" />
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