There is a nice quote I read in the book "Zero to one" from peter thiel, "Under perfect competition, in the long run no company makes an economic proft". Thats whats happening with SaaS.
I am currently building a budgeting app, which warns you before you pay. So basically I am creating a payment app, which helps you control your spend as well, by giving you warning. Currently I have launched its website and the waitlist is also live.