Great article about the rise of fintech giant SoFi. Some important takeaways from the article - CEO Mike Cagney has no intention to crush banks, but is definitely focusing on the opportunity of becoming a bank. While competitors have turned to banks for customer and capital, SoFi has decided to take on a more Silicon Valley approach and push direct marketing where it matters most - in this case, the super bowl. But when investors are skeptical about the future of alternative lenders due to the recent drop of LendingClub and others, the road to scale needs to be smart to meet borrower needs. If SoFi does get the bank charter, this will for sure be a fintech game changer.