It is the most important player, and represents the crux of the transformation: the real economy. The real economy should set its sights firmly on innovation. Climate change poses financial risks to businesses, too, not just the financial sector. The faster enterprises transform, the better their ability to combat those risks.
For instance, the steam engine would not have been possible without advancements in smelting and refining techniques of new ores and fuels that led to economic use of coal. This in turn led to advances in the chemical industry, which threw up a range of consumer goods such as soap, glasses, etc.