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

March, 2024
Javelin Report
Get Out Your Wallet: Gen Z Debit Payment Preferences 

Generation Z—those born from 1997 to 2012—is coming of age and moving steadily toward greater financial maturity. Members of this generation differ from their elders in significant...

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...

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