For more than a year, I’ve been dealing with a strange but deeply inconvenient issue whenever I try to use the SIM Toolkit (STK) to make Lipa na M-PESA ...

In my wallet, I have a little “secret” compartment which contains a few international micro SIMs, an Apple-made SIM ejection tool (aka a fancy paperclip), and a guitar pick. Or at least I usually do.

Despite its low profile, your phone's SIM card tool kit (also known as STK) is one of the most important things on the device, and whether you realize it or not, you probably use it every day. Built ...