?? ???????????????????:???“????”????? ??
????:1?????300?3??????:????24??
2?????
3?????????
4??????
5????598?998???
??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)??:“??????????????????????????????,??,??,??????????????????”
?????????????,??,??,????????????????:“????,????”
(???:????? ??????????:??? ??????????) ?????????????????????:????????