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??????Adobe Analytics????????11??????1???12??31????,???????????????“???????????????????”?,??8.4%???????????????????,??2408???????

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?Affirm?????,???????,???????????????????,??????????“??”?????????

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

????????(CNBC)????25??????,????????????????????????????????????????8????????,???,????1.14?????????????????

???????????????????(Bankrate)????????????(Ted Rossman)?:“??,???????,????????????????????,???????”

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

(??:?????????????????????????????? ???:????? ??????) ????????????:????????? ??“?????????”????

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

????:1??????????:????V

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

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

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