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??,????????????????????????Adobe Analytics 25????????,???“?”??185???????,??????????????????????????????,?,??“??”???????????????11.4%?

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

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

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

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

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

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

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

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3????92,95,98?????

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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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