Social Capital Hedosophia Holdings V (IPOE), a special-purpose acquisition company (SPAC) led by Chamath Palihapitiya, is set to take financial-technology startup Social Finance, better known as SoFi, public. In this Fool Live video clip, recorded on March 15, Fool.com contributors Matt Frankel, CFP, Brian Withers, and Dan Caplinger discuss whether SoFi could be a long-term winner for investors who get in now.

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Matt Frankel: So, moving on to Social Capital Hedosophia Holdings V, which recently announced that they were going to acquire IPOE. Ticker symbol is I-P-O-E. They're going to acquire a company called SoFi, which is short for Social Finance. So SoFi -- I'm a customer; I don't know if either of you are. But they are an ecosystem of financial services. They have a deposit platform; they make personal loans; that's what they're most known for. They have a stock trading platform; they have a robo-advisory service. You can buy cryptocurrency on there. They launched a credit card. They're, you know, all-in-one financial services. They're aiming to disrupt the traditional banking model. They are expecting from 30% to 60% growth annually over the next five years. That's a big and ambitious goal. They recently acquired a bank to help accelerate the process. They're getting a ton of capital in this SPAC deal. First of all, are either of you SoFi customers, and what do you think of the business?

Brian Withers: Not a customer.

Dan Caplinger: I'm not a customer. I think that the business is interesting. What's interesting to me is that this is just one more angle. There are so many of these financial disruptive companies that are kind of taking the angle toward encapsulating all financial services under one umbrella. They're coming at it from a different directions toward the same destination. So you've got Robinhood starting out with stock trading, but then gradually adding things. You've got PayPal (PYPL -1.83%) and Square (SQ -1.97%) starting out with cash management and they're gradually adding things. You've got Rocket Mortgage (RKT 1.32%) starting from the home-loan side that I think could gradually add things. Now you have SoFi, which started out more on the personal student-loan side gradually adding things, and so it would be interesting to see once all these guys converge and really start going head-to-head, that's when the battle is going to begin and that's when it's going to get really interesting.

Withers: Yeah, I think their approach of serving, they talk about it HENWS, high earners not well served. Going in and helping former students close their student loans over their head, I think gives them a tremendous loyalty for these folks that they've helped lift the burden of school loans.