????:1????????95?98:?????V

2??????????????

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

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

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