???????????????:??????“???”???? ?????

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

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

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

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