??????????:??????“??”???? ???????????

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

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

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

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