I need a professional developer to answer the following question for peer to peer lending app

I need a professional developer to answer the following question: we just made a 2 videos for the application advertisement video and explainer video ----- Describe the progress that your company has made since its inception, covering the following themes (350 words):* 1- If and how you are using any of the following tech: Data Science, Machine Learning, Artificial Intelligence, Cloud Computing, or others? 2- Notable successes to date and challenges you overcame? ---------- The program we are building >> Peer-to-peer lending application for the mobile platform. which will have the following functionalities • Arabic and English language for the application • Registration/Login Mobile number – • Will receive an SMS verification code. • verifying the users' details by admin (manual) • Apply as a loaner or as a borrower. • Create an account number on the application and the members going to deal with each other based on the account number knowing their information except if they need to dispute on installment delay or differences in the amount received. • Deposit money to a specific user by IBAN but every the user submits his bank app to perform that transaction (then they will send us a screenshot to verify payment and the borrower will approve or vise verses) • Every transaction should include the member account number from the application and mention it on the Extra notes to verify it from admin. • Include monthly payment but it will be the same by sending manual and sending a screenshot for approval till we found a way for payment gateway on KSA (no online payment) • Interest base calculator (should automatically calculate the interest and the monthly installment ) • Live chat support by API • As we are not supporting online payments so schedule payment/billing is not possible at this stage but we can set a reminder so it will remind users to pay money manually and send a screenshot • View EMIs paid/unpaid [login to view URL]