diff --git a/navi-pay/src/main/kotlin/com/navi/pay/common/utils/NaviPayCommonUtils.kt b/navi-pay/src/main/kotlin/com/navi/pay/common/utils/NaviPayCommonUtils.kt
index 29e933a1ae..2496309191 100644
--- a/navi-pay/src/main/kotlin/com/navi/pay/common/utils/NaviPayCommonUtils.kt
+++ b/navi-pay/src/main/kotlin/com/navi/pay/common/utils/NaviPayCommonUtils.kt
@@ -70,7 +70,7 @@ object NaviPayCommonUtils {
         }
 
         val ssidList = activeSubscriptionInfoList.map {
-            val carrierName = displayableCarrierName(it.carrierName.toString())
+            val carrierName = displayableCarrierName(it?.carrierName.toString())
             SimInfo(
                 iconResId = getCarrierIcon(carrierName),
                 subscriptionId = getSSIDFromSubscriptionId(it.subscriptionId),
@@ -311,4 +311,4 @@ object NaviPayCommonUtils {
         keyGenerator.init(ENCRYPTION_KEY_SIZE)
         return keyGenerator.generateKey().encoded
     }
-}
\ No newline at end of file
+}