Cross-Platform Banking App Development

I need a banking app focused on fund transfers. It must be available on both iOS and Android platforms.

Requirements:
- Secure and efficient fund transfer functionality
- User-friendly interface
- Robust security measures (e.g., encryption, two-factor authentication)
- Account management and bill payment features for future updates

Ideal skills and experience:
- Proven experience in developing secure banking or financial apps
- Expertise in cross-platform mobile app development
- Strong background in UX/UI design
- Knowledge of regulatory compliance in the banking sector

Please include detailed project proposals in your application.