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????????????????????(New York Fed)??????(????)8??13.6%,??????

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???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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