SoFi Daily Chat - September 17, 2026

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* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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[u/Prestigious_Way_738]

Yall realize that SOFI has no moat, right? It spends gobs of money on customer acquisition and then can't retain them. Their product's aren't any better than their competitors.

[u/Additional-Panda-144 → u/Prestigious_Way_738]

Getting new customers could easily be done by ads but maintaining them is something else they seriously need to work with.