Artless image on smart card contains file (10)
I believe the answer is:
simplistic
'artless' is the definition.
(I know that artless can be written as simplistic)
'image on smart card contains file' is the wordplay.
'image' becomes 'pic' (I've seen this before).
'on' says to put letters next to each other.
'smart card' becomes 'SIM' (SIM card in a smart phone).
'contains' is an insertion indicator.
'file' becomes 'list' (list is a type of file).
'pic' put after 'sim' is 'simpic'.
'simpic' enclosing 'list' is 'SIMPLISTIC'.
(Other definitions for simplistic that I've seen before include "Ignoring real complexity" , "Not recognising true complexity" , "Naive; ignoring complexities" .)