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I need a production-ready finance app that runs on both Android and iOS and can automatically lock a customer’s handset the moment an EMI payment deadline is missed. The idea is simple: the device stays fully functional while the customer is up-to-date with payments, but turns unusable (apart from emergency calls and our payment screen) as soon as a due date passes without settlement. As soon as the EMI is cleared, full access is restored. Core flow • Customers register their device and loan schedule in the app. • The app tracks each EMI date, shows a live repayment dashboard, and pushes gentle reminders ahead of time. • If the deadline hits and no payment is recorded, the locking module takes over automatically. • Unlock is triggered instantly once the payment gateway confirms receipt—no manual intervention needed. Technical expectations – Android: implement through Device Policy Manager / work-profile or an MDM profile so the lock cannot be bypassed by reboot, safe-mode, or factory reset without our credentials. – iOS: use MDM or Managed Lost Mode to achieve the same effect within Apple’s guidelines. – Secure backend (Firebase, AWS, or similar) to store schedules, payment status, and push tokens. – Payment confirmation can come from an API webhook we already have; you only need to integrate it. – Clean, intuitive Flutter or React Native front-end so we maintain one codebase for both platforms. Deliverables 1. Source code with build instructions. 2. Admin dashboard URL & credentials. 3. APK, TestFlight build, and a short video demo showing lock/unlock after a dummy payment. 4. Deployment guide and a hand-off walkthrough call. Acceptance criteria • A missed EMI instantly locks the test device within 60 seconds. • Manual date manipulation or network drop does not bypass the lock. • Successful payment instantly restores full access. If this is within your skill set, let’s get started right away—I’m ready with API keys, mockups, and test loan data.
Project ID: 40623668
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64 freelancers are bidding on average ₹25,180 INR for this job

Hi I will be able to help you. Please message me so that we will have detail technical discussion. I have 9+ years of combined experience in Mobile Application development, Website development, Desktop application development, 3rd party Artificial Intelligence api, AR/ VR, Chatbot, Blockchain- Cryptocurrency, CRM & ERP, Game Development and any other Software development. I am having expertise in Native on Android Java, kotlin and IOS Swift, and For Hybrid Cross platform on Flutter Dart & React- Native, and for web and backend on react js and node js, Python Django. Please consider me and initiate a chat for further detailed discussion. Regards, Anju Logical Soft Tech Pvt Ltd, Indore(M.P)
₹25,000 INR in 7 days
6.6
6.6

Dear Client, I read "EMI Lock Finance App" carefully and understand you want a single Flutter codebase that runs smoothly on both Android and iOS. My hands-on experience with Mobile App Development, Android, iOS Development, React Native, Flutter aligns directly with what you need. I've shipped Flutter apps from scratch to store launch — clean architecture, smooth animations, native-feeling UI and solid API integrations — that stay easy to maintain as features grow. A few quick questions to get us started: 1. Do you need Android, iOS, or both from day one? 2. Are UI designs ready, or should I design the screens as well? 3. Is there an existing backend/API, or should I build that too? Thanks & Regards, Deepak
₹24,375 INR in 14 days
5.2
5.2

With 8+ years of experience in full-stack development and a specific focus on mobile app development for both Android and iOS, I am confident that I have the skills necessary to deliver your EMI Lock Finance App project successfully. Over the years, I have completed over 200 projects, each time delivering clean, scalable, and secure code. My expertise includes Android, Flutter, iOS Development, Mobile App Development & React Native; skills that match your projects' requirements perfectly. With this knowledge and experience, I will create a production-ready finance app that not only meets your need but also exceeds your expectations. In addition to my technical proficiency, my clients appreciate my fast communication style, on-time delivery record, and long-term technical support capabilities. Throughout our partnership, you can count on me to provide continuous guidance proven to improve business efficiency and enhance user experience 얍
₹45,000 INR in 7 days
5.0
5.0

Hi, I'm a Flutter/Dart developer with hands-on experience building and shipping production apps across fintech, healthcare, education, and travel — currently live on both Play Store and App Store. A few examples from my portfolio: • Finnov & MinePay — fintech/payment apps with secure transactions and clean UX • PrayagEdu — school management app (Android + iOS) handling student/parent/teacher workflows • SNAH Caregiver & SNAH Users — dual-app healthcare ecosystem connecting caregivers with patients • MedNob AI & Jepluse — medical/health apps with AI-assisted features • Thatzal & Thatzal Trip — travel and trip-planning apps with booking flows • GetOurStay — property/stay booking platform • Lisners & Lisners Therapist — dual-sided therapy/audio platform for clients and therapists Across these projects, I've handled end-to-end development: clean architecture, state management (Bloc/Provider/GetX/RiverPod), REST/Firebase integration, push notifications, payment gateways, and smooth deployment to both Play Store and App Store. I focus on writing maintainable, scalable code and communicating clearly throughout — regular updates, honest timelines, and no surprises. I'd love to understand your project requirements in more detail and share how I can bring similar quality and reliability to your app. Happy to start with a quick call or share more code samples/case studies. Looking forward to working together. Best regards, Kishore Patidar
₹20,000 INR in 30 days
4.8
4.8

Having read through your project details carefully, I am confident in my abilities to deliver a top-notch EMI Lock Finance App that will enhance your financial services. I come with a wealth of experience, 5+ years to be precise, in developing mobile applications on both Android and iOS platforms. I have delivered similar projects on both Flutter and React Native frameworks and I’m sure a highly performant and clean app can be built for you on these platforms. In regards to implementing the locking module, I am intimately familiar with Android's Device Policy Manager, and iOS's MDM as well as Managed Lost Mode - all of which would ensure we create an airtight lock system that cannot be easily bypassed. My skills in API integration would come in handy when seamlessly incorporating your existing payment confirmation API webhook into the app. Rest assured, your safety concerns are valid to me; hence the backend storage of sensitive data will be well-secured using Amazon Web Services or Firebase among other reliable solutions. Lastly, my devotion to establishing lasting relationships founded on transparency and quality work means you can confidently rely on me for all elements of this project from coding to post-deployment support. Let's make this incredible app together!
₹25,000 INR in 7 days
3.8
3.8

Hey, Building an EMI-controlled finance application requires more than a standard mobile app—it involves secure device management, reliable payment synchronization, and a backend that ensures policy enforcement without compromising stability or maintainability. I can help architect and develop a production-ready solution that aligns with the capabilities and security models of both Android and iOS. I can build a cross-platform Flutter or React Native application with a secure backend, payment webhook integration, repayment dashboard, push notifications, role-based admin panel, and automated payment status synchronization. The implementation will follow the supported enterprise device management capabilities available on each platform, with clean architecture, secure APIs, and well-documented code designed for long-term scalability and maintenance. I'd be happy to review your existing API, mockups, and deployment requirements, discuss the platform-specific implementation approach, and provide a clear development roadmap, timeline, and milestones before we begin. Best Regards, Mahad
₹15,000 INR in 3 days
3.4
3.4

Building a cutting-edge app like EMI Lock Finance is a task that requires the utmost precision and finesse, both of which I am proficient at providing. With my 6+ years as an AI Engineer, Full Stack Developer, and my proficiency with both Android (Flutter) and iOS (React Native), I am uniquely qualified for this project Create targeted AI solutions based on your specific needs. The central tenet of EMI Lock Finance is to automate processes, eradicate errors, and save time - all core competencies I have mastered. From creating AI-driven solutions and incorporating payment confirmations through APIs(webhooks) to setting up secure backends in Firebase or AWS, I've worked extensively in the fields of real estate, eCommerce (with Payment integrations), and SaaS;experience that aligns perfectly with your requirements. Moreover, I suspect that you might also need to reinforce the security aspect of your app. My knowledge in securing APIs and backend databases like PostgreSQL, MySQL, MongoDB aligns perfectly with your goal. Securely tracking EMI due dates, protecting against date manipulation or network drops are challenges I’ve met and overcome successfully in the past. When you hire me for the EMI Lock Finance App project,you hire an experienced professional who can think holistically - from solid design documentation to efficient hand-off. Look forward to coming onboard and solving your problem at its core!
₹20,000 INR in 3 days
3.5
3.5

**DO NOT PAY ME UNTIL I COMPLETE! :)** Hello my valuable client :) My profile is new over here but I have 7 years of experience in this field. I have completely understood about your project. Also I will provide you free maintenance on your project for 1 year after project completion. I can definitely complete this in your timeframe. Give me one chance to prove myself. Hit the chat button to get started. If you will not like my work then you dont need to pay me any money so dont worry and have faith in me :) I am eagerly waiting for your message.
₹25,000 INR in 7 days
3.1
3.1

The hardest part of this project isn't the locking logic itself, it's making Android's Device Policy Manager persist through safe-mode and factory reset. That requires provisioning the app as a Device Owner via ADB or QR setup during onboarding, not just a runtime permission. Most finance lock apps get bypassed because they skip this step. I'll build the React Native front-end with the repayment dashboard and reminders, wire up your existing payment webhook to trigger lock/unlock within seconds, and set up the admin panel for managing loan schedules. For iOS, I'll integrate MDM with Managed Lost Mode, though Apple's guidelines limit what's possible compared to Android, so I'll outline the realistic scope for each platform upfront. 1) Do you already have an MDM provider for iOS, or should I set one up as part of this? Happy to talk details in chat. Shayan
₹13,750 INR in 9 days
2.7
2.7

Hi! I’m Tarang. I am genuinely interested in your project, "EMI Lock Finance App" Furthermore, I have over 12 years of experience and a background in developing projects in mobile application technologies like React Native (Android & iOS). Furthermore, I’m currently online and ready to discuss your project and start immediately, and I can deliver high-quality work within your timeline. Please join the chat for discussion.
₹12,600 INR in 7 days
2.8
2.8

Hi there, I have built EMI locker apps using Android DevicePolicyManager (lock task mode/kiosk) and iOS MDM (Managed Lost Mode) - with locks surviving reboots, safe mode, and factory resets. I'll build a Flutter/React Native app with a single codebase for both platforms, integrated with Firebase/AWS backend for schedule tracking and push notifications. Approach: Device owner provisioning on Android with DPC, lockNow() on missed EMI; supervised MDM enrollment + Managed Lost Mode on iOS. Payment webhook triggers instant unlock. Admin dashboard included. Deliverables: Source code, APK/TestFlight build, video demo, deployment guide. Timeline: 4 weeks. Ready with API keys and mockups. Let's discuss your MDM enrollment strategy. Best, Mikya
₹45,000 INR in 30 days
2.7
2.7

Hello, We reviewed your brief - a cross-platform EMI-lock finance app: customers register device and loan schedule, a live repayment dashboard with reminders, automatic device lock (emergency calls and your payment screen only) the moment an EMI is missed, and instant unlock once your payment webhook confirms receipt. We build fintech and device-management apps in Flutter/React Native. On Android we'd enforce the lock via Device Policy Manager / a managed profile so reboot, safe-mode or factory-reset can't bypass it; on iOS via MDM / Managed Lost Mode within Apple's guidelines, on a secure Firebase/AWS backend wired to your payment webhook. Team of 20. One question: do you already have an enrolled MDM/EMM (or Apple Business Manager) for the iOS side, or should we set that up as part of the build? - APIE Technologies
₹30,000 INR in 30 days
2.3
2.3

I hope you are doing well. I understand you're building a cross-platform finance application that securely enforces EMI compliance by automatically restricting device access when payments are overdue and restoring access immediately after payment confirmation. The solution must be reliable, secure, and aligned with each platform's device management capabilities. I will develop the application using Flutter or React Native with a secure backend, integrate your payment webhook, implement robust Android and iOS device management where supported, and build an intuitive dashboard for customers and administrators. The solution will be thoroughly tested, documented, and delivered with deployment guidance and a smooth handover. You can expect clean, maintainable code, reliable integrations, comprehensive documentation, and long-term scalability. Best regards, **Diego Vinicius**
₹25,000 INR in 7 days
1.7
1.7

Hi, I hope you're doing well. I understand you're looking to build a finance management application that connects EMI tracking, payment verification, and device access control into a secure workflow for both Android and iOS. The goal is to create a reliable system where customers can manage repayments easily while administrators have clear control over loan schedules, payment status, and device management. I will develop a cross-platform application using Flutter or React Native with a secure backend for user accounts, EMI schedules, payment status tracking, notifications, and API-based payment confirmation. I will implement the required device management approach according to Android and iOS platform capabilities, build an admin dashboard for monitoring and control, and ensure the application includes secure authentication, clean UI, proper testing, and deployment support. I will also provide complete source code, documentation, and handover assistance. My focus is on delivering a secure, maintainable finance solution with reliable payment workflows, smooth user experience, strong architecture, and a clear deployment process. Best regards, Heorhii
₹24,200 INR in 2 days
1.8
1.8

Hi, this is an interesting project, and I have experience building secure, cross-platform mobile applications with real-time backend integrations. I can develop a Flutter or React Native solution with a secure backend, payment webhook integration, EMI tracking, push notifications, and an admin dashboard. Before implementation, I'll review the device management requirements for Android and iOS to ensure the solution aligns with each platform's security model and deployment policies. I'd be happy to discuss your workflow, existing APIs, and technical requirements so we can define the most reliable architecture and delivery milestones.
₹22,000 INR in 30 days
1.7
1.7

Hi, I’ve reviewed your requirements and can develop a secure finance application with EMI tracking, payment reminders, backend integration, and an admin dashboard for managing loans and payment status. With 7+ years of experience in Flutter, React Native, backend development, API integration, and enterprise mobile applications, we build scalable and secure solutions. For the device-locking functionality, we'll implement it using the supported enterprise device management capabilities available on each platform while ensuring compliance with Android and iOS platform policies. The app will integrate with your payment webhook to update payment status and automate the appropriate workflow, along with a responsive dashboard and comprehensive documentation. I’d be happy to discuss your deployment model, device management requirements, and existing API so we can recommend the best compliant approach. Please send me a message to discuss your project further. Best Regards, Prachi Webix Infotech India Pvt. Ltd.
₹21,000 INR in 10 days
1.8
1.8

Hello, Are you tired of dealing with missed EMI payments causing unnecessary delays and frustrations for your customers? I understand the importance of a seamless finance app that can automatically lock a customer's device when a payment deadline is missed, ensuring timely payments and hassle-free transactions. Based on your project requirements, I propose to develop a cutting-edge finance app for both Android and iOS platforms that seamlessly integrates with your existing API webhook for payment confirmation. By utilizing Device Policy Manager for Android and MDM for iOS, the app will ensure that the device remains locked until the payment is successfully processed, providing a secure and efficient solution for your needs. With my expertise in developing secure backend systems using Firebase and AWS, along with my proficiency in Flutter and React Native for the front-end, I am well-equipped to deliver a high-quality, user-friendly app that meets your specifications. Additionally, my commitment to clear communication, technical skills, and post-launch support will ensure a smooth development process and successful project delivery. Please feel free to open a chat with me to discuss your project further. I am eager to collaborate with you and bring your vision to life. Website: https://www.freelancer.com/u/rajeshrolen Sincerely, Rajesh Rolen
₹25,000 INR in 7 days
1.4
1.4

We will develop a secure EMI lock finance application integrating deep-level hardware management for Android and iOS devices. Our solution ensures robust control while maintaining strict adherence to platform security mandates and payment verification protocols. - Custom device policy controllers enforcing non-bypassable lock states. - Secure backend integration for real-time payment authentication and authorization. - Compliance-first architecture for MDM policy enforcement. 1. What MDM vendor or Apple MDM framework/server solution do you intend to use for the iOS Managed Lost Mode implementation? 2. Have you verified that your proposed Android implementation strategy (Device Policy Manager/Work Profile) complies with current Google Play policies regarding Device Administrator privileges? Thanks & Regards, Team Parvati And Sons (Powered by PRASIT — our own Agentic AI tool)
₹35,000 INR in 30 days
0.6
0.6

Hello, I've reviewed your requirements carefully. This is not a standard finance application—it's an Enterprise Mobile Device Management (MDM) solution with payment automation, secure backend integration, and device policy enforcement. For Android, I recommend implementing Device Owner mode with Android Enterprise APIs to enforce kiosk-style restrictions, payment reminders, and automatic lock/unlock based on your payment webhook. For iOS, similar functionality is only possible on supervised devices using Apple's MDM framework, so the deployment model should be discussed before development. The backend can be built on Firebase or AWS, with secure APIs, webhook integration, push notifications, audit logs, and an admin dashboard for device and loan management. Before development, I'd like to validate the device provisioning process and deployment strategy to ensure the solution aligns with Android Enterprise and Apple's platform policies. Best regards, Himanshu
₹25,000 INR in 3 days
0.6
0.6

I have already worked on a similar finance and mobile application where users had secure authentication, payment integration, push notifications, and an admin dashboard to manage customer data and payment status. The project involved Flutter, backend APIs, and real-time status updates across mobile devices. I have 4 years experience in Flutter, React Native, Firebase, REST APIs, payment gateway integration, and backend development.I have already developed more than 60 websites and mobile applications including finance, eCommerce, booking, and business management solutions. Please open the chat window so that I can share my portfolio and we can proceed further on this project. In addition to your project needs, I'll provide you with clean source code, free bug patches, and maintenance. I am awaiting your positive response. Regards Ritesh
₹12,500 INR in 7 days
0.0
0.0

Delhi, India
Member since Feb 8, 2026
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