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

2??????????

3???????

4?????50????????

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)??????:“??,??????,??,???”

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

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