BNPL服务在2025年的假日网上销售中带动200多亿美元,提供灵活性,但带来诸如收费和超支等风险。 BNPL services to drive over $20 billion in 2025 holiday online sales, offering flexibility but posing risks like fees and overspending.

根据 Adobe Analytics 的数据,现在购买,以后付款 (BNPL) 服务预计在2025年将在线假日销售额超过200亿美元,因为越来越多的美国人使用它们来分发购买到无息分期. Buy Now, Pay Later (BNPL) services are projected to power over $20 billion in online holiday sales in 2025, according to Adobe Analytics, as more Americans use them to spread out purchases into interest-free installments. 虽然BNPL提供短期财务灵活性,帮助管理预算,但用户应谨慎对待迟缴费用、对信用分数的潜在影响以及超支风险。 While BNPL offers short-term financial flexibility and helps manage budgets, users should be cautious of late fees, potential impacts on credit scores, and the risk of overspending. 建议消费者审查条件,了解还款时间表,并确保他们在使用这些服务之前能够支付费用。 Consumers are advised to review terms, understand repayment schedules, and ensure they can afford payments before using these services.