Mike Cagney is a cofounder and the CEO of SoFi, a personal lending platform created in 2011. Following new regulations introduced after the 2008 Financial Crisis, lending has become a crowded business with increasing participation of institutional investors, asset managers and banks. In this interview with Alex Bangash, CEO of Trusted Insight, during the Trusted Insight Alpha Conference, Cagney reveals how his company finds a competitive edge by probing into the “prime consumer market.” He also shares his vision for the future of fintech and financial innovations.