I am working in smart card industry and familiar with ISO 7816 and Java Card. Till now I worked for ID card, Health card and SIM application using GSM standard. Now I have a chance to work in EMV. Here I have some confusion like: Is a EMV credit/debit card will be a java card containing applet inside it? what standard I need to go through to develop emv debit/credit card application? Is there any good tutorial which helps to understand about EMV debit/credit Card application development? Is there any good simulator to develop and test emv card application?