????:1????????:??????

2?????????????

3???????

4???????

5???????

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

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

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