Multiplatform Mobile Payment Application

I'm seeking an experienced developer to create a secure, user-friendly mobile payment application. The app should be designed for both Android and iOS platforms and must consistently handle a variety of transactions, including but not limited to:

- Transfers between bank accounts
- Payments at stores or online
- Payments of utilities and bills
- NFC payments, eliminating the need for customers to carry physical cards

Interestingly, this application should have its own payment gateway and doesn't need integration with existing ones like PayPal, Stripe, or Razorpay.

Ideal skills and experience for this project would include:

- Proficiency in Android and iOS app development
- Understanding of payment gateway programming
- Experience in working with NFC technology
- Extensive knowledge on secure transaction processing
- Familiarity with UI/UX design for a seamless user experience

I'm looking forward to seeing innovative pitches that could make this mobile payment app a leader in the market.