????:1??????????:??????????

2?????????

3???????????

4???92???

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

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

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