???????????:????“??”????? ???????????

????:??????:?????????100??

??9??????????26??????????? ?????,???????????????????,?“??????????????????????????????????”(BNPL)????????,??????????????,???

????????????,?????????????????Adobe Analytics 25???????????????????,??“??”????????185?????,?,??,??????“????????”??????11.4%?

????????Adobe Analytics????????11???????????1???12??31????,???????“??”??,??????????8.4%????????????????????????,??2408??????????

????????“????”(Consumer Reports)?????????????(Delicia Hand)????????????????????,?????????

??????(New York Fed)??????????????????????????????(????)8???13.6%,??????????????

????????Affirm?????,???????,???????????????????????????,??“??????”??????????????

?J.D.Power?,?????46%???????????“????”,??????????51%??????????????????????????15.6%?

??????(CNBC)????25????????????????????,??????????8?????????????,?????,?????1.14???????

??????(Bankrate)?????????????????????(Ted Rossman)?:“???????????????,??????????????????,???,????????????????”

?????????,????????????????????,???,????????????????????????????????:“????????????????,??????????????????”

(??????????????????????:????????????? ??:??????? ????) ????????????:???