???????????:??“???????????”????? ????

????:??????:????????

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

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

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