SoFi Soars Most Since 2021

What factors contributed to the increase in deposits mentioned in the text?

How does the bank's approach to direct deposits benefit its lending capabilities?

What challenges did the student loan refinancing business face during the pandemic?

What is the significance of the student loan moratorium ending, according to the text?

In what ways has the company adapted to the changing macroeconomic environment?

What strategies has the company implemented to maintain profitability during economic downturns?

How does the company view competition from larger tech firms in the fintech space?