Back through history, innovation has always been surprising. It has almost always been dismissed by defenders of the status quo, and it has never run in a predictable straight line.
There is a predictable straight line from the garages where Microsoft and Apple began, to the "tech incubators" of today. Banks have Innovation Departments, led by bankers with <Global Head of Innovation> on their business cards.
I wonder if the next life-changing, world-changing innovation will be technology at all.