finance locker app development

I am looking to have an app developed for both iOS and Android platforms. This 'finance locker' app will have key features such as budget tracking, investment tracking, and bill reminders. I'm open to design and user interface suggestions for the app, but I'm looking for an aesthetically pleasing and user-friendly interface which caters to my needs. My desired outcome is an app that streamlines my finances and helps me stay organized and on track. Using this app we can lock and unlock the customer mobile phone when emi is not paid