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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%,?????????

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??????J.D.Power?????????,?46%???“???????????????”,???????51%?????????????????????????????????????15.6%?

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