?????????????:???“??”??????????? ????

????:???spa?????:????????

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

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

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