I’m planning an end-to-end Fintech solution that lets parents and students split tuition or course fees into manageable installments, while giving schools a powerful back-office to approve, track, and reconcile every transaction. Security, scalability, and a frictionless user experience are non-negotiable, yet the very first milestone I want to see live in stores is the mobile application for both iOS and Android. Mobile apps (highest priority) • Parents and students register, undergo KYC, add or link cards/bank accounts, and schedule installment plans in a few taps. • Push notifications for due dates, approvals, and payment receipts. • Biometrics, device encryption, and tokenised payments baked in from day one. Institution dashboard The web dashboard must let administrators handle Request management, Approval workflow, and real-time Payment tracking. I also need multi-role access, downloadable reports, and a simple interface that can be learned in minutes. Core stack expectations Modern frameworks only: think React or Vue for the web front-end, a robust cross-platform option such as Flutter or React Native for the apps, and a microservice back-end in Node, Python, or a similarly scalable language—containerised and ready for cloud deployment. PCI-DSS compliance, AES-256 data encryption at rest, and HTTPS/TLS 1.2+ in transit are essential. Deliverables (per milestone) 1. Functional iOS & Android apps published to TestFlight / internal track. 2. Secure JSON-based API gateway with complete documentation (Swagger/OpenAPI). 3. Web dashboard with the three features above fully operational. 4. Deployment scripts (Docker, CI/CD) and a short handover session. Acceptance criteria • App passes Apple/Google store reviews without security flags. • All dashboard actions accurately reflect in the database within 2 seconds. • 100% unit test coverage for critical payment modules; ≥90% uptime on staging for two consecutive weeks. If your team can commit to this roadmap and demonstrate similar Fintech work, I’m ready to move quickly. Include your proposed architecture and sprint outline in your reply so we can align on timelines right away.