??????????:??????“??”???? ???????????

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

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

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

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