????:1?2021????:??????????

2???????????

3??????

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

5???????

??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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