The technology itself is probably not that difficult to build. The difficulty is launching a robust two sided marketplace. Now that there are already existing two sided marketplaces in this space it makes it even more difficult for a new entrant. In the same vein, building a social network isn't that difficult but getting a huge user base to generate network effects is extremely difficult.
How hard can it be to implement an Uber clone? Like a week?
What's stopping anyone from entering this space? Is it technology? Marketing? Regulation? Trust? A secret sauce?
I'd love to understand.