The reason why the rich gets richer is because the poor see opportunities and ignore it.
You need to create active competition to make the tech environment better especially in a growing country like Nigeria. No one paid attention to Google 10 years ago. Now, it is almost impossible to develop a new search engine. Why would you want to compete with Google? Google makes so much because the whole internet is dependent on Google search engine. They determine how much you pay per click, impression - in fact they have more power to influence the public than the POTUS.
I don't mean to answer for xolubi but from a neutral point of view, I think PayStack exist to keep other payment gateway on their toes.
On a different note, GOOGL share price is about $700 now that's insane. I'm seriously looking forward to a Nigeria tech company that would go public.