????:1???????:??????qq?

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

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

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