When creating an application for sending smart messaging picture message, is it necessary to format the picture for different model of Nokia phones? - can all Nokia phones that support Smart Messaging receive and display a picture of 72 x 28 (considering that each model has different screen size?
Yes, you must consider the size of the phone screen and/or the capabilities of the phone. Not all phones support 72x28 pictures. Then there are phones which support picture logos (sent to port 1582h), but do not support "picture messages" (sent to port 158Ah).
The Messaging Characteristics table (http://www.forum.nokia.com/files/nds_disclaimer/1,1183,2313,00.html) is a good place to start.