Since acquiring Galileo Financial Technologies in 2020, SoFi Technologies has deepened its fintech infrastructure by integrating Galileo’s payment processing and tech capabilities across its growing suite of offerings. Galileo plays a pivotal role in enabling core functionalities such as buy now, pay later (BNPL) services and advanced customer engagement tools powered by conversational AI. This backend support is critical to SoFi’s strategy of delivering a seamless, tech-forward financial experience to users. Operating under the same corporate umbrella has dramatically expanded integration opportunities. SoFi can now move more nimbly, embedding Galileo’s infrastructure directly into its product roadmap without the friction typical of third-party partnerships. This combination enhances speed to market, operational efficiency and the ability to innovate across digital banking, lending and personal finance tools. Furthermore, the relationship creates a feedback loop. Galileo not only powers SoFi’s products but also benefits from SoFi’s scale and user data, helping refine and expand Galileo’s platform for other clients. In essence, SoFi’s acquisition of Galileo has evolved from a strategic purchase into a foundational pillar, enabling SoFi to operate more like a vertically integrated fintech company, with tighter control over both user experience and the underlying tech stack driving its offerings.