????:1????:2023?????????

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

3???????

4?500?spa?????

5???600??

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

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

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