??????????????????????????:??

????:????q:??????????

?????????7????26????? ??????????(CNBC)????????????????????,?????2000?????????,????????

??Affirm??6???????????????,??,?,?15????,????????3???,???????2025????7???????,????????????,????

Affirm????????Vishal Kapoor?????????????????,??

“???,???????”???????

????????????«??»5????????,56%???,??

??“????????????????????????,???????????,???????????”???,?????????????????2020?????????????????????????????

???????????,??????,???????????,?????????,?????????????????,??

???????

??????Joyce Chang????????????????????????5????????????????????CNBC??????????,??????????????????“?”????????

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

????????,??

??????????????5???????????,???????????????,??????????????8.9%?????????????????

????????????? ???????????:??????