????:1?????????:2023????????

2??????????

3?????????????

4???????????

5???95??

?????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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