SoFi (short for Social Finance, Inc.) is a U.S.-based financial technology company that provides a wide range of digital financial services, including lending, banking, investing, and personal finance tools. Founded in 2011 by a group of Stanford Graduate School of Business students, the company initially focused on refinancing student loans and has since evolved into a comprehensive digital finance platform. Headquartered in San Francisco, California, SoFi serves millions of members and employs several thousand people across the United States.
SoFi’s mission is to help people achieve financial independence by offering accessible, mobile-first financial products such as personal loans, student loan refinancing, mortgages, credit cards, investment accounts, and high-yield savings and checking services. In 2022, the company received a U.S. bank charter through the acquisition of Golden Pacific Bancorp, enabling it to operate as SoFi Bank and expand its banking capabilities. SoFi also operates a technology platform segment through subsidiaries like Galileo and Technisys, providing banking infrastructure and payment technology to other fintech companies. The firm is publicly traded on the NASDAQ under the ticker symbol SOFI and is widely recognized as a leading digital-first challenger in the modern financial services industry.
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