No, not remotely. Some companies use tech as a tool of convenience but have no need of being involved in its development. For example anyone who operates a small-time retail business who sells via Amazon or their own e-commerce site. Companies like the ones I refer to depend on having and developing sophisticated technology as a part of their core competencies and business model.
For example, there isn't a (sane) bank on the planet that would use, say, Visa as their payment processor without the various indemnities against fraud in the contracts they sign. And those indemnities are only possible if Visa has a sophisticated payment processing network with fraud detection.
For example, there isn't a (sane) bank on the planet that would use, say, Visa as their payment processor without the various indemnities against fraud in the contracts they sign. And those indemnities are only possible if Visa has a sophisticated payment processing network with fraud detection.