?????????????:??“???????????”???? ???

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

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

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

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