Internal and external factors are now both working in its favor.Investors are getting excited about SoFi Technologies (SOFI 3.42%) stock again. The fintech superstar lost market confidence earlier this year as its lending business came under pressure from interest rates, but it has continued to gain traction as a real alternative to the big, traditional banks.Chief Executive Officer Anthony Noto is confident that SoFi will become one of the 10 biggest banks in the country. "It's a matter of when, not if," h ...