This report investigated after analysis about the need for drivers of change to understand the external environment of technology within dynamic, global and fast-changing world of financial sector. Contents Introduction 3 Drivers of Change 3 Competitive Environment 4 Porter’s Five Forces Model 4 Internal Analysis 6 VRIO Framework 7 Recommendations 8 Conclusion 9 References 10 Introduction In the modern economy, financial sector is developing while reducing poverty and stimulating economic growth.