For NFC services, secure elements are essential in order to guarantee the protection of security-critical applications and to achieve the same security standards as for debit and credit cards. However, it is not sufficient to integrate only one secure element in the smartphone. Using special solutions, the fragmentation of the memory is securely managed so that the areas for the service providers can be separated. In addition, secure new services, applications, and virtual cards must be provided as needed, without a third party obtaining access to PIN numbers or other sensitive information. This task is fulfilled by the Trusted Service Manager.