EMI Locker App Development

I'm looking to develop an EMI locker app that can remotely lock a user's smartphone if their EMI payment is missed or delayed. This app will support both Android and iOS platforms. The main function is to notify users via SMS about their EMI status, and if the payment is not made within a week, I will be able to lock their phone remotely. The locked phone will display a screen with EMI details and provide an option for online payment.

Key Requirements:
- Develop an app for both Android and iOS platforms.
- Implement a remote locking feature for smartphones.
- Display EMI details on the lock screen with an online payment option.
- Notify users of their EMI status through SMS.

Security Measures:
- Two-factor authentication
- PIN or password protection
- Biometric authentication

Ideal Skills and Experience:
- Experience in mobile app development for Android and iOS
- Knowledge of remote device management and security protocols
- Proficiency in integrating SMS notification systems
- Strong understanding of payment gateway integration

I am looking for a developer who can ensure the app is secure, user-friendly, and effective in managing EMI payments.