????:1???????:??????

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

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

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