Talking of a two-stream market divided between Political and Economic change and Social and Technological change, there are other undercurrents that ripple in these waters.
For example, why is it that most bank conferences are either about regulation or innovation? Because one forces change to happen whilst the other offers the opportunity to change? Or because regulation is political and economic whilst innovation is about the customer (social and technological)?
Why is it that banks only ever respond to two forces of change: regulation and competition? Because one is political and economic whilst the other is normally social and technological.
And yet there is something else here.