????:1????????:?????ios

2?93????????

3???????

4?????

5??????

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

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

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