Sophia Gonzalez

Analyst, Debit Payments

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

January, 2024
Javelin Report
2024 Annual U.S. Debit Card Market Data Review

Changes are afoot in the debit card market as higher prices drive more consumers toward credit for everyday payments and users increasingly demand digital payment technologies. Thi...

December, 2023
Javelin Report
Incentivizing Consumers Toward Debit Payments with Rewards

Digital banks and some major issuers are incentivizing customers with debit rewards and other perks. The rewards, most commonly cashback, have proven popular with consumers and inc...

October, 2023
Javelin Report
Revenue Dynamics of Debit Cards Since Dodd-Frank

Amid the ever-shifting payments landscape, debit also stands to be transformed by changing regulations and shifting consumer habits. New routing regulations could have an impact on...

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