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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)??????:“?????,??,????????,??????”

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