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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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