BD Smart Locker is installed on the customer's mobile device. If the customer defaults on EMI payments, you can send a New Phone Command via the Retailer App to control the device remotely.
The available New Phone Command features include:

New Phone Command Features:

Lock & Unlock Device

Hide Apps

Reset and Remove Password

Set & Remove Wallpaper

Enable & Disable Location Toggle

Enable & Disable Key Features

Enable & Disable Media Transfer

Enable & Disable Network Connectivity

Enable/Disable Date and Time Settings

Enable/Disable Wi-Fi and Airplane Mode Toggle

Fetch Device Location

EMI Alert & Update

View SIM Details

Uninstall App