OPEN A micro finance banking web based solution

We are a small micro finance bank company, we need a customized banking web software, with SMS enabled, we should be able to change the sms provider, please only people that have worked in relating to this kind of project would be considered with references links to test. Note that we want a customized solution that we can easily alter. the project shouldreally be based on if you have done something like that before, so you would only work on customization. The following features are needed: Online Banking Private Banking Retail Banking Risk Management Securities Management Transaction Monitoring ATM Management Compliance Tracking Corporate Banking Investment Banking Multi-Branch IOS and Android compatible. Features Include: Manage Clients Create & Manage Savings Accounts Savings Interest Posting. Minimum Savings Balance. Manage Term Deposits, Shares Create & Manage Loans and Automated Loan Repayments from Client Savings Account Loan Interest Computation Options: Flat, Declining Balance, Declining Balance Equal [login to view URL] in all modules, Complete General Ledger Accounting Trial Balance, Income Statement, Balance Sheet, Journal Transactions, Daily Expenditure etc