????????:???“?????”?????? ???????????

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

????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)?????:“?????,??,??????,???”

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

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