But what about banking apps and surch?

I disagree. There’s things we can do to help. If you have some money to spare, you can donate to charities that work in those countries, there are many. You can also vote for political parties that defend international justice and reducing inequality globally. You can also boycott companies that behave unethically in exploiting the natural resources of poorer countries. If we are talking about Somalia, I heard many rich countries’ fishin boats go there to fish making it harder for local fishermen to make a living. We have a lot more power than we think. It starts with caring.