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
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...
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....
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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