????:1?????95????:?????????

2?2019??????

3????????

4??????????

5???929598?

?????????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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