????:1?????150??????:??????

2?????????

3??????

4???????????

5??????????98

??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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