A user identity module (UIM) is incorporated in user equipment such as a mobile phone or mobile device. The UIM is configured to provision itself while roaming away from a home network as follows. The UIM may: send to the UE a request for information identifying a current radio access technology (RAT) that the UE is camped on; receive the current RAT information from the UE; send to the UE a request for network location information, where the network location information identifies a network in which the UE is currently camped; receive the network location information from the UE; generate an access point name (APN) using the current RAT information and the network location information; and open a channel through the network to a remote agent (e.g., a provisioning server) using the access point name.