??????????????????:??“???”???? ??????

????:????vx:?????

??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)???:“??,?,????,???”

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

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