Part 2/10:
Historically, Wall Street's evaluation of Sofi boiled down to a simplistic view of it as "just another fintech company" vying for dominance against traditional banks. Similarly, Palantir was seen merely as a "government contractor" dabbling in AI marketing with little recognition of its true potential. However, deeper analysis reveals that Sofi is not just creating a bank but is building a comprehensive financial super app. The company was compelled to diversify its product offerings following the student loan moratorium, which ultimately strengthened its market position.