?????????????:????“??”??????????? ???

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

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

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

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