Growth has been outstanding, but expectations are really high. 1. Why buy: Outstanding user growth SoFi's bears like to remind investors that consumer banking changes very little over time. While the same basic banking principles apply regardless of the underlying technology, SoFi is attracting new customers at a pace that suggests it has built a unique experience that resonates with American consumers. SoFi began refinancing student loans in 2012, and didn't launch SoFi Money, the operation that includes b ...