???????????????????:????“?????”??? ??

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

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

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

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