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

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

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