One of the major reasons for the 9900 being delayed on AT&T is an ongoing debate between RIM and AT&T around the NFC implementation on the device. In the NFC world, the key component is the Secure Element (SE) and it holds the secure credentials (for e.g. the credit card number in case of NFC payments). The Issuer Security Domain controls the access to SE in terms of writing on to it. RIM is promoting a concept where they would hold the ISD, so RIM can roll out customized NFC services while AT&T wants ISD control on the devices that they roll out (this is in relation to the larger ISIS NFC payment project that they are a part of). I don