IkbalGumilar/bmt_kbs ? reverse-engineered prompt

Build me a Flutter app for a digital cooperative membership service, with a clean modern Material design feel.

I want members to be able to top up and withdraw money, buy prepaid mobile credit for all operators, and pay common bills like electricity, BPJS, internet, TV, and game vouchers. It should also have a QR code scanner for quick transactions, plus a WebView area for integrated services when needed.

Make it feel like a real mobile app for Android and iPhone, with smooth navigation, a polished home screen, and some nice UI touches like loading states and simple animated components. Use local storage where it makes sense, connect to an API for the transaction data, and include the usual small things like date formatting, toast messages, image picking, and opening external links.

If you need to check current Flutter package docs or best practices, look them up online.