Yes, the New Zealand is one of those teams who are constantly performing without being noticed too much. Also their team is not very much experienced but have good commitment and performance. They have won against India & England and if they won today, this would mean that they have won against all the big three teams. However, they were unable to beat the most strongest team of the tournament that is Pakistan.
It doesn't matter whether they have beaten Pakistan or not. NZ is in the final while Pakistan is back home. NZ must end this habit of losing WC finals, they have never won any major ICC tournament except ICC champions trophy in 2000. As far as today game is concerned, as everyone saying TOSS will be the key. You won toss, you won WC.
Again they have lost the finals and unable to change their perception as they are not the finishers of the big tournaments. Also they can't beat the good teams of the tournaments like Australia and Pakistan. That's another reason why they are afraid of playing cricket with good teams and habit of running away from the playing fields. Had they played the series with Pakistan, they would have got more experience and would be a much better team.