I like SoFi, I own SoFi stock, and I think they have huge potential. The reason for the 1 star is simple. Pushing Plaid on customers who trust you to protect their info without mentioning the level of access you authorize them to view and aggregate, or being more transparent about the ability to verify using the 2 small deposits (keeping your bank login info private, as it should always be, and not allowing Plaid to use your info for their profit). It is very difficult to trust while being used.