Sophia Gonzalez

Sophia Gonzalez

Analyst, Debit

Sophia is a research analyst at Javelin supporting the Debit practice.

Prior to Javelin, Sophia worked as a consulting analyst at Visa. Her quantitative analyses focused on pricing models to empower client strategy and optimize processing. She has contributed to a wide variety of projects including new product development, market adaptation, and consumer insights.

Sophia has a Bachelor of Science degree in statistics. 

Latest Insights

May, 2023
Javelin Report
How Pay-by-Bank Could Shake Up Payments

As older payment methods recede, pay-by-bank is emerging as a contender at the point of sale. It allows consumers to continue using the funds in their checking accounts, as they do...

April, 2023
Javelin Report
Real-Time Payments at the Point of Sale

With the pending launch of the FedNow service in the United States, real-time payments (RTP) are poised to transform the way large numbers of Americans go about their transactions....

February, 2023
Javelin Report
2023 Annual U.S. Debit Card Market Data Review

The seventh annual review of the U.S. debit card market consolidates data and analyzes recent trends shaping the use of these cards. In addition, a near-term forecast for debit vol...

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