Full Remote Control for Every Financed Android Phone Across Bangladesh
Manage every financed device in your network from Dhaka to Chittagong — lock, alert, track, and unlock remotely without visiting the customer, using bKash or Nagad wallet balance.
Device Lock / Unlock
Instantly control any financed phone remotely. Lock on missed EMI, unlock on payment — zero manual effort.
Password Reset / View
Reset or view the current device password remotely. Assist locked-out customers without a physical visit.
Set / Remove Wallpaper
Display payment reminders or your store branding on the customer's lock screen wallpaper remotely.
EMI Alert by Audio
Play voice alerts for pending EMI payments directly on the customer's device via FCM — no app interaction needed.
EMI Alert on Screen
Show full-screen pop-up reminders for EMI due dates that the customer must acknowledge before dismissing.
Track Location
View live GPS location of any financed device. Useful for recovery, delivery verification, and ownership confirmation.
Get Phone Number
Fetch active SIM and phone number details of any registered device instantly from the dashboard.
Camera Lock / Unlock
Disable camera on defaulting devices until EMI is cleared. Lift the restriction remotely on payment — no factory reset.
Reboot Device
Restart any financed phone remotely. Resolve hang states or apply policy changes without the customer visiting the store.
App Lock / Unlock
Control access to selected apps on the device. Block specific apps for defaulting customers, restore on settlement.
Call Lock / Unlock
Restrict calling on defaulting customer devices — a measured escalation step before full device lock triggers.
Bangladesh's Leading AI-Powered EMI Locker — Built for Bangladesh Mobile Finance Networks
From device control to AI-powered collection intelligence
EMI Locker is Bangladesh's most advanced AI-powered EMI locker — built for phone retailers and distributors operating across Dhaka, Chittagong, Sylhet, Rajshahi, and beyond. Unlike basic lock-and-unlock tools, EMI Locker layers predictive default risk scoring, automated WhatsApp and SMS payment reminders in Bengali and English, real-time fraud detection, and an AI collection assistant on top of Google-compliant DPC device control. Retailers across Bangladesh can now protect financed devices, automate overdue follow-ups, and recover faster — all from one dashboard, starting at ৳60/key with bKash and Nagad wallet top-ups.
Built for Bangladesh's Mobile Finance Ecosystem
Whether you run a single shop in Dhaka's Elephant Road or manage a multi-city distributor chain, EMI Locker scales with your Bangladesh operation.
Bangladeshi Phone Retailers
Sign up directly, enroll customer phones on the spot, top up your wallet via bKash or Nagad, and start protecting your installment receivables from day one — without waiting for a distributor.
Distributors & Sales Networks
Manage retailer networks across Dhaka, Chittagong, Sylhet, Rajshahi, and Khulna. Allocate keys with custom ৳ pricing, approve transfers, and track BDT wallet settlements across your full Bangladesh hierarchy.
Finance & Admin Teams
Audit-ready reports, approval-gated BDT wallet top-ups via bKash/Nagad, and full visibility into every key transaction across your Bangladesh distributor network.
Real-time analytics and operational insights
Track key inventory, device status, wallet balances, pending approvals, and user activity across your entire financing network. Make data-driven decisions with comprehensive dashboards and reports tailored to your role.
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Dashboard Analytics
Monitor key metrics: available keys, device distribution, wallet transactions, approval queues, and network growth in real-time.
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Audit Trail Visibility
Complete transaction history, approval workflows, key movements, and device actions with timestamps and user attribution.
Secure multi-level network collaboration
Coordinate seamlessly across your device financing hierarchy. Distributors allocate keys to sales teams, retailers request inventory, and admins maintain oversight—all with role-based permissions and approval controls that ensure security and accountability.
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Hierarchical Structure
Define clear reporting lines from Admin to SuperDistributor, Distributor, SalesPerson, and Retailer with appropriate access controls.
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Approval Workflows
Manage key requests, transfers, and returns through structured approval processes with notification tracking and status updates.
Instant push notifications and payment alerts
Stay connected with your customers and team at all times. EMI Locker uses Firebase Cloud Messaging (FCM) to send timely EMI reminders, approval notifications, lock/unlock updates, and key transfer alerts — automatically, without any manual effort.
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Automated EMI Reminders
Payment due alerts are pushed directly to customer devices on schedule. No manual calls, no missed collections.
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Approval & Transfer Alerts
Distributors and retailers receive instant notifications when key requests, approvals, or wallet settlements need their attention.
Android App
Powerful Android DPC App —
Powerful Android DPC App —
Two Apps for Complete Control
EMI Locker ships two Android apps for the full device financing experience.
Our Device Policy Controller (DPC) implementation uses proper Android APIs — no Accessibility Service abuse, no battery drain.
EMI Locker Customer App
- Works on any running device - no factory reset, ever
- Google-compliant auto-grant setup reduces manual permission steps
- Single key-code entry for faster retailer onboarding
- Official DPC-based control built to be harder to remove
- Protects financed devices without disturbing existing apps or data
- No Accessibility Service - no auto-back bug, no battery drain
- Offline lock safety - polls status on reconnect
EMI Locker Manager App
- Quick device management on the go
- View real-time device status and EMI status
- One-tap lock or unlock any device
- Key inventory snapshot
- Instant approval notifications
- Wallet balance and transaction alerts
- Manage team under your hierarchy
Bangladesh Business Partnership
Any Bangladeshi Business Can Join
Any Bangladeshi Business Can Join
and Build Their Own Network
Become a SuperDistributor, Distributor, or SalesPerson across Bangladesh. Set your own key pricing above your cost in BDT. Build a team under you across Dhaka, Chittagong, Sylhet, and beyond. Earn your margin on every key your network sells — automatically, paid to your bKash or Nagad account.
Contact Pricing
Competitive per-key pricing for Bangladesh market. Industry's best per-key pricing, period.
6-Level Hierarchy
Admin → SuperDist → Distributor → SalesPerson → Retailer → Customer.
Easy Key Returns
Return unused keys up the chain with full audit trail and optional buyback payment.
Your Own Profit
Every level sets their own price. You own your margin — no sharing, no caps.
Join as a Partner Today
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Register your account on EMI Locker
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Get approved — same day for most partners
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Buy keys, build your team, set your pricing
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Earn on every key your network sells
Built on real Bangladesh device financing experience
EMI Locker was built to solve the real challenges of managing financed Android phones across Bangladesh's fast-growing mobile retail market. From a single shop in Dhaka's Gulshan to a 50-retailer distributor network spanning Chittagong and Sylhet, we give every level of Bangladesh's phone finance chain the tools it needs to operate with discipline and recover faster.
Our platform supports Bangladesh-specific BDT pricing hierarchies, bKash and Nagad wallet top-ups, Bengali and English support, and audit-ready workflows — designed for how Bangladesh phone finance distribution actually works on the ground.
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Bangladesh Use Cases
EMI Locker Secures Every Financed Sale in Bangladesh
Bangladesh's expanding consumer credit market creates installment risk across phones, electronics, appliances, and beyond. If a Bangladeshi customer has an Android device, EMI Locker lets you use it as a security layer for any installment agreement — protecting your cash flow whether you sell phones on Elephant Road or appliances in Sylhet.
Device Financing
Phone, tablet, and gadget retailers can enroll already-running customer devices and keep repayment control without factory reset delays.
Appliance and Electronics EMI
Retailers selling TVs, fridges, ACs, laptops, and premium electronics on EMI can use the customer's Android phone as a digital security layer.
Furniture and Lifestyle Retail
Furniture stores, mattress sellers, and premium home retailers can add stronger EMI protection even when the financed item is not itself a device.
Solar and Home Equipment Sales
Solar installers, inverter dealers, and high-value equipment sellers can secure installment plans with a practical customer-device control workflow.
Retailer-Led EMI and NBFC Programs
Local finance teams, NBFC partners, and retailer-led EMI programs can standardize collection discipline across mixed product categories.
SEO Landing Page
See 8 Use Cases in Detail
Explore where EMI Locker fits best, from device financing to appliances, furniture, solar, education kits, healthcare equipment, and more.
EXPLORE USE CASES
Bangladesh Market
Why Bangladesh Phone Retailers Are Switching to EMI Locker
Bangladesh's mobile phone market is one of the fastest growing in South Asia, with over 17 crore mobile subscribers and a rapidly expanding smartphone installment culture. For retailers and distributors managing financed handsets across Dhaka, Chittagong, Sylhet, and beyond, EMI Locker provides the first Google-compliant, AI-powered protection layer built specifically for the Bangladeshi market.
170M+
Mobile subscribers in Bangladesh — one of the highest mobile penetration rates in Asia
৳60
Per activation key — Bangladesh's most affordable per-device EMI locker pricing
bKash
Top up your EMI Locker wallet instantly via bKash, Nagad, Rocket, or bank transfer in BDT
Dhaka–Sylhet
Retailers across all major Bangladesh divisions can enroll devices and manage networks today
Works Across All Bangladesh Divisions
From Dhaka and Chittagong to Sylhet, Rajshahi, Khulna, Barisal, Mymensingh, and Rangpur — full functionality for retailers anywhere in Bangladesh.
Bengali & English Platform Support
Our onboarding team and AI reminder bot communicate in Bengali and English — so every retailer in Bangladesh onboards smoothly, regardless of language preference.
BDT-Native MFS Wallet Integration
All pricing, wallet top-ups, and margin calculations are in Bangladeshi Taka (৳). Use bKash, Nagad, Rocket, or bank transfer — no international payment complexity.
What Bangladeshi retailers say about EMI Locker
Real feedback from Bangladeshi finance teams, distributors, and phone retailers using EMI Locker
to manage their device financing operations across Bangladesh.
EMI Locker changed everything for our Dhaka retailer network. Wallet top-ups via bKash settle in minutes, and we can see every key transaction across our 38 retailers in real time. No more manual EMI tracking in spreadsheets.
I manage a distributor network across Chittagong and Cox's Bazar. EMI Locker's key management with BDT wallet and Nagad top-up works perfectly for our operation. Approval flows keep everything transparent across all my retailers.
Mohammad Hossain
Super Distributor, ChittagongI signed up directly as a retailer in Sylhet without needing a distributor. Got approved the same day. The Bengali support during onboarding made everything easy. Now I manage 60+ financed phones from my dashboard.
Karim Sheikh
Retail Partner, SylhetRemote device locking cut our EMI default rate by 40% in just 3 months across our Rajshahi network. When a customer misses a payment, we lock in seconds via the dashboard. The AI WhatsApp reminder bot in Bengali is a game changer.
Nasrin Akter
Operations Head, Rajshahi5.0 / 5.0 - 3689 Total User Reviews
Trusted by 150+ Bangladeshi businesses
Phone retailers, distributors, and finance teams across Bangladesh — from Dhaka and Chittagong to Sylhet, Rajshahi, and beyond —
trust EMI Locker to protect their device financing operations every day.
Simple, honest pricing
Activate devices at ৳60/key
No monthly fees. No subscriptions. No per-device charge.
The more you grow, the better your rate — and every level earns its own margin.
Pay only when you activate
Volume discounts built in
bKash & Nagad wallet accepted
Bengali & English support
See All Plans & Pricing
No credit card required · Top up via bKash, Nagad or bank transfer · Plans start at ৳60/key
Common Questions About EMI Locker
Business questions answered. For key management, pricing tiers, and device setup — see the full FAQ and pricing page.
EMI Locker is Bangladesh's leading AI-powered device financing platform for phone retailers and distributors. It lets you enroll already-running Android phones under your control — no factory reset — then remotely lock, alert, or restrict them based on EMI payment status. You manage your full retailer network, key stock, wallet settlements, and approvals from one dashboard.
EMI Locker is built for anyone in the Bangladeshi device financing chain — individual phone retailers who sell on installments, distributors who supply and manage multiple retailers, SuperDistributors who run wider regional networks across Dhaka, Chittagong, Sylhet and other regions, and finance teams who need audit trails, wallet transparency, and approval controls. You can join at any level.
Yes. You can sign up directly as a Retailer from Bangladesh and immediately enter the approval workflow — no distributor required. If you want to build a network under you across Dhaka, Chittagong or other regions, join as a Distributor or SuperDistributor and onboard your own retailers. The platform supports a 6-level hierarchy, but every level can start independently.
No monthly fees. No subscriptions. EMI Locker charges only per activation key — starting at ৳60/key for Bangladesh-based partners. You pay only when you activate a device. Volume discounts apply as your network grows. Every level in your network sets their own price and earns their own margin in BDT (Bangladeshi Taka). You can top up your wallet using bKash, Nagad, Rocket, or bank transfer.
Most EMI locker apps rely on Accessibility Service hacks — they require repeated permission steps, need the customer's cooperation, and can be uninstalled by the customer. EMI Locker uses official Google DPC APIs, so enrollment is fast, control is stronger, and the device can be managed even on phones already in the customer's hands. No factory reset, no accessibility tricks, no battery drain. It also adds AI-powered risk scoring, automated payment reminders, and fraud detection that other lockers don't offer.
Registration takes a few minutes. Once approved — same day for most Bangladesh-based partners — you can add wallet balance, receive keys, and begin enrolling customer devices immediately. Our onboarding team is available to guide you in English or Bengali. Start partner onboarding →
EMI Locker's wallet system supports local payment methods for Bangladesh. Partners can add wallet balance using bKash, Nagad, Rocket, bank transfers, and other BDT-based methods. All transactions, key pricing, and margin calculations are in Bangladeshi Taka (৳). No international payment complexity for Bangladeshi partners.
Interface overview
A clean, role-based dashboard for every level — Admin, Distributor, Retailer, and more.
See keys, devices, wallet, and approvals at a glance.
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Dashboard
Report Page
Dashboard
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Start Your Free Trial Today
Join retailers and distributors already using EMI Locker to manage
their device financing operations. No setup fees. No hidden costs.
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Read latest stories
Insights, guides, and updates on device financing, EMI management,
and building your retailer network with EMI Locker.
23 AUG
Admin
36 Comments
How AI-powered EMI locking improves collection rates
Discover how automated push alerts, real-time device lock triggers, and smart payment tracking reduce defaults in device financing networks.
Read: AI EMI Collection Guide
18 AUG
Admin
36 Comments
How to build a profitable retailer distribution network
A step-by-step guide to onboarding retailers, setting tiered pricing, and scaling your key distribution business with EMI Locker.
Read: Retailer Distribution Guide
9 AUG
Admin
36 Comments
The complete guide to key-based device activation for retailers
How one-time keys protect both the retailer and customer in financed device transactions — and why it matters.
Read: Key Activation GuideNeed support ? contact our team
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