????????????:?????“??”??? ???????????

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

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

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

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