?????????:??“??????”??????????? ?????

????:???????100?3??:??????

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

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

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