Nope, I don't think they are missing the bigger picture and more of these types of services will pop up to cover all aspects of the remittance market.
Ventureburn recently posted an article about startups trying to pop Africa’s remittance bubble. I applaud the efforts of these startups in trying to address the issue of the above average cost of sending money to Africa which is a real hindrance to Africa’s development as a key player in the global trade arena.
However a quick analysis of the list shows that most of the start-ups are focused on bitcoin as a more affordable currency alternative, peer to peer transfers and the uni-directional flow of money from western countries to Africa.
Not that there's anything wrong with that, but I also think it's not true.