????????????:??“???????????”????? ???

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??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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