????:1?????????:????

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

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

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