???????????:??????“???”?? ???????????

????:996?????:??????????

??????????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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