?????????????????:???“??”????? ??????

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

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

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

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