????:1??????100?:???????????

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

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

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