$SoFi Technologies Inc.(SOFI)$in my own view, there is nothing fundamentally wrong with Sofi.  Market fear and fintech sell off as a whole.  Even if the bank charger is delay or withhold , it is still undervalue at current price given its potential growth down the years.  Whether it is omicron or interest rate rise , people will  rely more on digital service in a prolong covid situation, and rise in rate will benefit them.  Obviously the bank charter approval  would benefit Sofi even more not worrying about the interest differential.   It is whether you believe or you don't, remember when Square  was few years back and now, the potential of Sofi is Hugh. I believe in the company, the management, the product , the outlook  . I am not a financial advisor, please do you own research and happy investing :)