Admittedly, my knowledge is a little bit out of date, but that is one chip out of several that I know over the last 7 years. You used the word "typically," and as you can imagine, the telcos have a preference for treating the SIM as the secure element because they control it; in the US the telcos dirve the majority of mobile sales.

This is a slightly sore subject as I worked for a startup that is now a zombie, having attempted to wait out the fight over who would control NFC payments (telco vs. credit card company).

Look at the just announced chip from Broadcom which supports "multiple secure elements to ensure all payment business models are supported for today's market.": http://seekingalpha.com/news-article/5050981-broadcom-launch...