Can you give more details about what you are asking about?
I can't find any information about something called "Cognito System for Businesses" for iPhone. I can find "Money Works" by Cognito Systems, but that is a computer software application.
Note, however, that apps are not installed on the SIM card.
My company uses the program to service accounts. Has the details about the account, I use it to log in & out, it will give a time stamp when i'm enroute and arrive and leave. Oh Well, i will find out on Monday, how it goes into iphone 5s.