????????????????:??“??????”???? ?????

????:51????????:??????????

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

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

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