The all-digital bank has overcome serious adversity and is ready to shine bright.SoFi Technologies (SOFI 2.93%) has had a bumpy ride. Its stock has fluctuated between $6 and $18 over the past year alone. The market is still trying to determine what to make of the all-digital bank. The business has performed well despite some sizable headwinds.Now, those headwinds are dissipating, which could finally allow SoFi Technologies to realize its full potential. But will the stock reward investors who buy now?Here i ...