I have not read Iain Banks books, but Iain M. Banks wrote Scifi

> but Iain M. Banks wrote Scifi

Why? Because there’s technology somewhere? Why doesn’t magical realism through a cell phone, for example, count?

The line between sci-if and fantasy is often arbitrary, with a lot of it coming down to readers’ self-perceived identities than anything having to do with the text. What counts as tech or magic, moreover, comes down to priors and perspective. (Harry Potter and Star Trek are on similar levels of technobabble, for instance.)