SoFi Technologies Inc is likely to generate strong revenue growth as it gains a share in the consumer financial services wallet, according to Morgan Stanley. Although competition in the fintech space is rising, the company is “leading with lending; specifically refinancing a high yield student loan into a lower rate. Lending generates higher customer loyalty and a “lending first model generates customer leads for SoFi’s other services,”. Sofi’s customer base can double in the next 2 years, from 2.6 to 5.3 million, after more than doubling over the past year from 1.2 million. Financial Services revenue growth is a key driver of SoFi’s growth model and looking for ~150% CAGR over the next 2 years as SOFI doubles its customer set and expands its product offerings.