The ethics of technology means that, even at the point of conception, people and their welfare should be at the very heart. We often hear stories from Silicon Valley of applications that have been developed, whose effect is to perpetrate existing divisions and to push vulnerable people to the margins. Even worse, some are designed with this explicit purpose.
Even here in Kenya, we have seen such technological “development”. I need not tell you of the mobile loan apps which have served to impoverish people, especially young people like you. Their developers are sitting pretty, raking in the  money, with barely a care for the lives they have destroyed, and the families they have impoverished.