Mobile app for bill payments

My project entails developing a mobile app for bill payments. The app should be compatible for both Android and iOS platforms, as well as support the payment method of credit/debit card and upi. Additionally, I require various additional features like notifications and bill tracking. The app should be able to notify users when payments are due or how much each bill amounts to. Furthermore, the app should also enable users to have an overview of all their bills in one place, as well as having an overall view of their spending habits. I truly believe that once all these features are integrated, it shall certainly create a more efficient billing system for all users.