SoFi Technologies (SOFI -1.27%) has taken its investors on a disappointing journey. Shares of this digital banking pioneer are currently 74% off their peak price, and they have tanked 32% just this year (as of June 4). That's hugely worrying when you see that the Nasdaq Composite Index is up 12% in 2024. Innovation happens at a rapid pace in today's internet-driven economy, even in industries that have been around for a long time, such as financial services. By focusing on providing an exceptional user expe ...