I’m preparing to launch a production-ready personal loan app dedicated to Android devices. The build has to feel polished from day one, so I need a complete solution that I can brand and push to Google Play with minimal tweaking. Core workflow • Borrowers open the app, verify their phone number through an SMS one-time-password flow, and land on a straightforward loan application form. • After approval, they see a clear repayment schedule that updates as they make payments, with push notifications reminding them of upcoming due dates. What must be included – Clean, responsive Android front-end (Java or Kotlin) – Secure phone-number verification (Firebase Auth or a comparable SMS gateway) – Dynamic loan application form with field validation – Real-time repayment tracking tied to each user profile – Simple admin dashboard or API so I can review applications, approve loans, adjust schedules, and trigger notifications – Source code, build instructions, and a signed APK ready for store submission Nice-to-have (future phase): credit-score integration, additional ID checks, multi-platform expansion. I’m open to your preferred stack for the back-end—Firebase, Node.js, Laravel, or Spring Boot are all fine as long as the data is secure and scalable. Please tell me how you plan to structure the database, handle loan states, and manage in-app notifications. Once all features are in place, I’ll test on a range of Android 10–14 devices; the build is considered finished when every user flow above works smoothly and I can publish to Google Play without extra coding.