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Your apps would be really native. The Android one is in Java and the iOS one is in C.
Yes, you can create custom applications and even start from scratch, if you want.
No. Setting up backend for mobile applications is a complex process and when the app scales, it has to be adjusted. Appzio handles all of this for you and the applications come with their own complete setup, hosted at the leading providers Google, Microsoft, Amazon and Softlayer