?????????:??????“???????????”????? ??

????:???????????:?????

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

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

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