{"id":6118,"date":"2021-09-16T23:55:00","date_gmt":"2021-09-16T15:55:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=6118"},"modified":"2025-02-11T09:08:34","modified_gmt":"2025-02-11T01:08:34","slug":"%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/","title":{"rendered":"\u6700\u706b\u7d05\u7684\u6d88\u8cbb\u4fe1\u8cb8\u65b9\u5f0fBNPL\u4ecb\u7d39"},"content":{"rendered":"\n<p>\u6211\u5728<a style=\"font-size: revert;\" href=\"https:\/\/www.books.com.tw\/products\/0010889106?sloc=main\" target=\"_blank\" rel=\"noopener\">\u300a\u8d85\u7d1a\u6210\u9577\u80a1\u6295\u8cc7\u6cd5\u5247\u300b<\/a><span style=\"font-size: revert;\">\u4e00\u66f8\u76843-5\u7bc0\u628aBNPL\uff08\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff1aBuy now, pay later\uff09\u5217\u70ba\u4eca\u5f8c\u91d1\u878d\u79d1\u6280\u7684\u767c\u5c55\u9818\u57df\u4e4b\u4e00<\/span> \u3002\u73fe\u5728\u4fe1\u7528\u5361\u666e\u53ca\u7387\u5f88\u9ad8\uff0c\u7528\u6236\u5df2\u7d93\u6709\u6210\u719f\u7684\u5148\u8cb7\u5f8c\u4ed8\u7fd2\u6163\u3002\u4f46\u662f\u4f7f\u7528\u9ad4\u9a57\u5f88\u4e0d\u597d\uff0c\u9700\u8981\u5728\u4e0d\u540c\u7684\u7db2\u7ad9\u53cd\u8907\u9304\u5165\u652f\u4ed8\u4fe1\u606f\u3002\u7528<span style=\"font-size: revert;\"><span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span><\/span> \u7684\u8a71\uff0c\u5728\u4e0d\u540c\u7684\u7368\u7acb\u7ad9\u4e4b\u9593\u8df3\u8f49\u751a\u81f3\u4e0d\u9700\u8981\u767b\u9678\uff0c\u5c31\u80fd\u88ab\u81ea\u52d5\u8b58\u5225\u8eab\u4efd\uff0c\u9032\u5165\u652f\u4ed8\u74b0\u7bc0\u3002<span style=\"font-size: revert;\"><span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span><\/span>\u7684\u5546\u696d\u6a21\u5f0f\u548c\u50b3\u7d71\u7684\u4fe1\u7528\u5361\u516c\u53f8\u4e0d\u540c\uff0c\u4e3b\u8981\u7684\u6536\u5165\u4e26\u4e0d\u4f86\u81ea\u6d88\u8cbb\u8005\u7684\u903e\u671f\u6b3e\uff0c\u800c\u662f\u4f86\u81ea\u51fa\u552e\u8ca8\u7269\u7684\u5546\u6236\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#BNPL%E7%9A%84%E5%84%AA%E5%8B%A2\" >BNPL\u7684\u512a\u52e2<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#%E5%B0%8D%E6%B6%88%E8%B2%BB%E8%80%85%E5%B8%B6%E4%BE%86%E7%9A%84%E5%A5%BD%E8%99%95\" >\u5c0d\u6d88\u8cbb\u8005\u5e36\u4f86\u7684\u597d\u8655<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#%E5%B0%8D%E5%BB%A0%E5%95%86%E5%B8%B6%E4%BE%86%E7%9A%84%E5%A5%BD%E8%99%95\" >\u5c0d\u5ee0\u5546\u5e36\u4f86\u7684\u597d\u8655<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#BNPL%E7%9A%84%E4%B8%BB%E8%A6%81%E5%BB%A0%E5%95%86\" >BNPL\u7684\u4e3b\u8981\u5ee0\u5546<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#BNPL%E7%9A%84%E6%AD%90%E7%BE%8E%E4%B8%BB%E8%A6%81%E5%BB%A0%E5%95%86\" >BNPL\u7684\u6b50\u7f8e\u4e3b\u8981\u5ee0\u5546<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#%E4%B8%AD%E5%9C%8B%E5%85%88%E4%BA%AB%E5%8F%97%E5%BE%8C%E4%BB%98%E6%AC%BE%EF%BC%88Buy_now_pay_later%EF%BC%89%E7%9A%84%E4%B8%BB%E8%A6%81%E5%BB%A0%E5%95%86\" >\u4e2d\u570b\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09\u7684\u4e3b\u8981\u5ee0\u5546<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#%E6%90%B6%E5%88%B0%E8%AA%B0%E7%9A%84%E5%B8%82%E5%A0%B4\" >\u6436\u5230\u8ab0\u7684\u5e02\u5834<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#%E7%B5%90%E8%AB%96\" >\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"BNPL%E7%9A%84%E5%84%AA%E5%8B%A2\"><\/span>BNPL\u7684<strong>\u512a\u52e2<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B0%8D%E6%B6%88%E8%B2%BB%E8%80%85%E5%B8%B6%E4%BE%86%E7%9A%84%E5%A5%BD%E8%99%95\"><\/span><strong>\u5c0d\u6d88\u8cbb\u8005\u5e36\u4f86\u7684\u597d\u8655<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u548c\u4fe1\u7528\u5361\u6700\u5927\u7684\u5dee\u5225\u662f\uff0c<span style=\"font-size: revert;\"><span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span><\/span>\u7684\u5ee0\u5546\u4e0d\u6703\u5411\u6d88\u8cbb\u8005\u6536\u624b\u7e8c\u8cbb\uff0c\u800c\u662f\u8f49\u5411\u552e\u8ca8\u5546\u6536\u624b\u7e8c\u8cbb\u3002\u6d88\u8cbb\u8005\u53ef\u4ee5\u9078\u64c7\u5230\u671f\u5f8c\u4e00\u6b21\u4ed8\u6e05\uff08Pay Later\uff09\u6216\u5206\u6b21\u4ed8\u6e05\uff08Pay in X\uff09\uff0c\u4f86\u511f\u9084\u672c\u91d1\u3002\u524d\u8005\u5728\u4e0b\u55ae\u5f8c\u7684\u4e00\u5b9a\u671f\u9650\u5167\u4e00\u6b21\u6027\u5b8c\u6210\u4ed8\u6b3e\uff0c\u5f8c\u8005\u5247\u662f\u5206\u671f\u4ed8\u6b3e\u3002<\/p>\n\n\n\n<p>\u81f3\u65bc\u903e\u671f\u7684\u8a71\uff0c\u76ee\u524dBlock\u7684Afterpay\u548cKlarna\uff08\u8996\u60c5\u5f62\u800c\u5b9a\uff09\u6703\u6536\u903e\u671f\u91d1\uff0cAffirm\u548c\u8c9d\u5bf6\uff08PayPal\uff09\u4e0d\u6536\uff1b\u4e00\u822c\u800c\u8a00\u903e\u671f\u91d1\u9084\u662f\u6bd4\u4fe1\u7528\u5361\u4f4e\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u5927\u597d\u8655\u662f<span style=\"font-size: revert;\"><span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span><\/span>\u7684\u501f\u8cb8\u5728\u6b50\u7f8e\u4e0d\u6703\u5217\u5165\u6d88\u8cbb\u4fe1\u8ca8\u7684\u8a55\u5206\uff0c\u4e2d\u570b\u5927\u9678\u5247\u5728\u9019\u661f\u671f\u958b\u59cb\u63a5\u5165\u592e\u884c\u5fb5\u4fe1\uff0c\u623f\u8cb8\u8eca\u8cb8\u90fd\u53d7\u5f71\u97ff\u3002\u76f8\u8f03\u65bc\u4fe1\u7528\u5361\uff0c\u9019\u662f\u5f88\u5927\u7684\u512a\u52e2\u3002\u53e6\u4e00\u65b9\u9762\uff0c<span style=\"font-size: revert;\"><span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span><\/span>\u7684\u501f\u8cb8\u6838\u53ef\u5be9\u6838\u5f88\u5feb\uff0c\u56e0\u70ba\u4ed6\u5011\u90fd\u662f\u91d1\u878d\u79d1\u6280\u696d\uff0c\u7528\u81ea\u5df1\u7684\u65b9\u5f0f\uff0c\u8d70\u81ea\u5df1\u7684\u6f14\u7b97\u6cd5\uff0c\u4e0d\u9700\u7b49\u5f85\u591a\u65e5\u751a\u81f3\u4e0a\u661f\u671f\u624d\u9818\u5f97\u5230\u4fe1\u7528\u5361\u3002 <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B0%8D%E5%BB%A0%E5%95%86%E5%B8%B6%E4%BE%86%E7%9A%84%E5%A5%BD%E8%99%95\"><\/span><strong>\u5c0d\u5ee0\u5546\u5e36\u4f86\u7684\u597d\u8655<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u56e0\u70ba\u6d88\u8cbb\u8005\u53ef\u4ee5\u900f\u904e\u9019\u7a2e\u65b9\u4fbf\u7684\u6d88\u8cbb\u501f\u8cb8\u65b9\u5f0f\uff0c\u8cb7\u5f97\u8d77\u5ee0\u5546\u8f03\u8cb4\u7684\u5546\u54c1\uff0c\u660e\u986f\u5730\u53ef\u4ee5\u64f4\u5927\u696d\u52d9\uff0c\u9019\u4e5f\u662f\u70ba\u4f55\u5ee0\u5546\u9858\u610f\u88ab\u6536\u8cbb\uff084%-5%\uff0c\u4fe1\u7528\u5361\u70ba2%\uff09\u7684\u6700\u5927\u539f\u56e0\u3002\u4f8b\u5982\u5149\u662f\u6d3e\u6a02\u9a30\uff08Peloton<span style=\"font-size: revert;\">\u7f8e\u80a1\u4ee3\u865f<\/span> PTON\uff09\u4e00\u5bb6\u5ee0\u5546\uff0c\u5c31\u4f54\u4e86<span style=\"font-size: revert;\">Affirm<\/span>\u53bb\u5e74\u71df\u6536\u768430%\uff01 \u800cBlock\u7684Afterpay\u5411\u5ee0\u5546\u6240\u6536\u7684\u9322\u5c31\u4f54\u4e86\u71df\u6536\u768475.6%\u3002<\/p>\n\n\n\n<p>\u7f8e\u9280\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aBAC\uff09 \u7684\u8abf\u67e5\u6307\u51fa42%\u7684\u6d88\u8cbb\u8005\uff0c\u6703\u56e0\u70ba<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u5ee0\u5546\u6240\u63d0\u4f9b\u7684\u512a\u60e0\u800c\u4f7f\u7528<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u3002 Credit Karma\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aINTU\uff09\u7684\u8abf\u67e5\u6307\u51fa\u4eca\u5e74\u5e74\u5e95\u8cfc\u7269\u5b63\uff0c14%\u7684\u6d88\u8cbb\u8005\u6703\u6253\u7b97\u63a1\u7528<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u4f86\u652f\u4ed8\u3002<\/p>\n\n\n\n<p>\u76ee\u524d\u4e9e\u99ac\u905c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAMZN\uff09\uff0cShopify\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aSHOP\uff09\u9019\u5169\u5927\u96fb\u5546\uff0c\u518d\u52a0\u4e0a\u860b\u679c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAAPL\uff09\u90fd\u5df1\u7d93\u52a0\u5165\u9019\u5834\u5927\u6230\uff0c\u548c<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u7684\u5ee0\u5546\u5408\u4f5c\uff0c\u63d0\u4f9b\u6d88\u8cbb\u8005\u5feb\u901f\u4fbf\u5229\u7684\u63a1\u8cb7\u65b9\u5f0f\uff0c\u9806\u4fbf\u64f4\u5927\u81ea\u5df1\u7684\u5e73\u53f0\u4ea4\u6613\u984d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"BNPL%E7%9A%84%E4%B8%BB%E8%A6%81%E5%BB%A0%E5%95%86\"><\/span><strong>BNPL\u7684\u4e3b\u8981\u5ee0\u5546<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"BNPL%E7%9A%84%E6%AD%90%E7%BE%8E%E4%B8%BB%E8%A6%81%E5%BB%A0%E5%95%86\"><\/span><strong>BNPL\u7684\u6b50\u7f8e\u4e3b\u8981\u5ee0\u5546<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u76ee\u524d\u5728\u6b50\u6d32\u548c\u7f8e\u570b\u6709\u56db\u5927\u88fd\u9020\u5546\u3002 \u9664\u4e86\u5f8c\u4f86\u52a0\u5165\u4e14\u898f\u6a21\u8f03\u5c0f\u7684\u8c9d\u5bf6\uff08PayPal\uff09\u3002 \u6839\u64da eMarketer \u7684\u6578\u64da\uff0cKlarna \u4ee5 48.6% \u7684\u5168\u7403\u5148\u8cb7\u5f8c\u4ed8\u8a08\u5283\u7528\u6236\u5e02\u4f54\u4efd\u984d\u9818\u5148\u9019\u500b\u5e02\u5834\u3002 \u7136\u5f8c\u662fBlock\u7684Afterpay\u5e02\u4f5428.1%\u3002Affirm\u4ee513.4%\u4f4d\u5c45\u7b2c\u4e09\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Klarna\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/fintechnews.sg\/51654\/lending\/a-look-at-the-global-bnpl-industry\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u81ea\u7a31\u4f54\u5168\u7403<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span> 55%\u7684\u4ea4\u6613\u984d \uff0c\u67092\u842c5\u5343\u500b\u5546\u5bb6\u4f7f\u7528<\/a><\/li>\n\n\n\n<li>\u7f8e\u570b\u67092000\u842c\u7528\u6236\uff0c\u6bd4\u6700\u5927\u7684\u7af6\u722d\u5c0d\u624b\u9ad850%\u3002\u4e26\u4e14\u7f8e\u570b\u6392\u540d\u524d100\u7684\u96f6\u552e\u54c1\u724c\uff0c25%\u6703\u7528Klarna<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Block\u7684Afterpay\n<ul class=\"wp-block-list\">\n<li>\u8acb\u53c3\u898b\u6211\u7684\u90e8\u843d\u683c\u524d\u5e7e\u5929\u7684\u5c08\u6587\u4ecb\u7d39\u300aBlock\uff08<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/16\/square%e4%bd%b5%e8%b3%bcafterpay%e7%9a%84%e9%87%8d%e8%a6%81%e6%80%a7\/\">Square\uff09\u70ba\u4f55\u9245\u8cc7\u4f75\u8cfcafterpay<\/a>\u300b\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Affirm\n<ul class=\"wp-block-list\">\n<li>\u516c\u53f8\u4eca\u5e74\u624d\u4e0a\u5e02\uff0c\u7531\u8c9d\u5bf6\uff08PayPal\uff09\u7684\u524d\u6280\u8853\u9577\u6240\u5275\u7acb\u3002<\/li>\n\n\n\n<li>\u6d88\u8cbb\u80055\u767e\u842c4\u5343\u4eba\uff0c\u552e\u8ca8\u55461\u842c2\u5343\u5bb6\u3002<\/li>\n\n\n\n<li>\u4e0a\u5468\u5ba3\u4f48\u548c\u4e9e\u99ac\u905c\u5408\u4f5c\u5f8c\uff0c\u80a1\u50f9\u5e7e\u5929\u5167\u66b4\u6f32\u8d85\u904e82%\uff08\u5982\u4e0b\u5716\uff0c\u4f86\u81ea\u8c37\u6b4c\u8ca1\u7d93\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/09\/1-1024x620.jpg\" alt=\"\" class=\"wp-image-6129\" width=\"512\" height=\"310\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/09\/1-1024x620.jpg 1024w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/09\/1-300x182.jpg 300w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/09\/1-768x465.jpg 768w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/09\/1.jpg 1137w\" sizes=\"auto, (max-width: 512px) 85vw, 512px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8c9d\u5bf6\uff08PayPal\uff09\u7684Pay in 4\n<ul class=\"wp-block-list\">\n<li>\u4e0a\u5468\u4f75\u8cfc\u4e86\u65e5\u672c\u77e5\u540d\u7684<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u7684\u5ee0\u5546Paidy<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%B8%AD%E5%9C%8B%E5%85%88%E4%BA%AB%E5%8F%97%E5%BE%8C%E4%BB%98%E6%AC%BE%EF%BC%88Buy_now_pay_later%EF%BC%89%E7%9A%84%E4%B8%BB%E8%A6%81%E5%BB%A0%E5%95%86\"><\/span><strong>\u4e2d\u570b<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u7684\u4e3b\u8981\u5ee0\u5546<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4e2d\u570b\u524d\u4e09\u5927\u5ee0\u5546\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u879e\u87fb\u96c6\u5718\uff08\u6bcd\u516c\u53f8\u7f8e\u80a1\u4ee3\u865fBABA\uff09\u7684\u82b1\u5504\uff0c\u501f\u5504\uff0c\u548c\u767c\u5504\n<ul class=\"wp-block-list\">\n<li>\u6b77\u53f2\u6700\u4e45\uff0c\u5e02\u4f54\u6700\u5927<\/li>\n\n\n\n<li>\u82b1\u5504\u4e0d\u80fd\u63d0\u9818\u73fe\u91d1\uff0c\u5927\u90e8\u4efd\u88ab\u7528\u5728\u6dd8\u5bf6\u8cfc\u7269<\/li>\n\n\n\n<li>\u501f\u5504\u80fd\u63d0\u9818\u73fe\u91d1\uff0c\u5927\u90e8\u4efd\u88ab\u7528\u65bc\u8f03\u5927\u984d\u7684\u500b\u4eba\u501f\u8cb8\uff0c\u4f8b\u5982\u88dd\u6f62\u623f\u5c4b<\/li>\n\n\n\n<li>\u767c\u5504\u7528\u65bc\u54e1\u5de5\u85aa\u8cc7\u7684\u767c\u653e\u501f\u8cb8<\/li>\n\n\n\n<li>\u53bb\u5e74\u879e\u87fb\u4e0a\u5e02\u62db\u80a1\u66f8\u63ed\u9732\u6709Q2 2020\u82b1\u5504\u548c\u501f\u5504\u5171\u67095\u5104\u500b\u7528\u6236<\/li>\n\n\n\n<li>\u662f\u879e\u87fb\u96c6\u5718\u7684\u4e3b\u8981\u5229\u6f64\u4f86\u6e90\uff0c\u4f54\u71df\u653639.41%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u4eac\u6771\u6578\u79d1\uff08\u6bcd\u516c\u53f8\u7f8e\u80a1\u4ee3\u865fJD\uff09\u7684\u767d\u689d\u548c\u91d1\u689d<ul><li>\u64da\u4eac\u6771\u6578\u79d1\u62db\u80a1\u66f8\u7684\u5167\u5bb9\uff0c\u898f\u6a21\u7d04\u879e\u87fb\u768413-16%<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>\u767d\u689d\u548c\u91d1\u689d\u7684\u6575\u624b\u5206\u5225\u70ba\u82b1\u5504\u548c\u501f\u5504<\/li>\n\n\n\n<li>\u662f\u4eac\u6771\u6578\u79d1\u7684\u4e3b\u8981\u5229\u6f64\u4f86\u6e90\uff0c\u4f54\u71df\u653643%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u6ed5\u8a0a\uff08\u7f8e\u80a1\u4ee3\u865fTCEHY\uff09\u7684\u5206\u4ed8\n<ul class=\"wp-block-list\">\n<li>\u4eca\u5e74\u4e00\u6708\u7684\u4f7f\u7528\u8005\u4eba\u6578\u67092\u51044\u5343\u842c\u4eba<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>\u4f46\u4e2d\u570b\u81ea\u53bb\u5e74\u4e2d\u6b62<span style=\"font-size: revert;\">\u879e\u87fb<\/span>\u548c<span style=\"font-size: revert;\">\u4eac\u6771\u6578\u79d1<\/span>\u7684\u4e0a\u5e02\u6848\u5f8c\uff0c\u9019\u9805\u696d\u52d9\u7684\u672a\u4f86\uff0c\u76ee\u524d\u770b\u4f86\u5145\u6eff\u8a31\u591a\u4e0d\u78ba\u5b9a\u6027\u3002\u76ee\u524d\u80fd\u78ba\u5b9a\u7684\u5927\u65b9\u5411\u662f\u79d1\u6280\u516c\u53f8\u5fc5\u9808\u628a\u91d1\u878d\u79d1\u6280\u90e8\u4efd\u5206\u62c6\u51fa\u4f86\uff0c\u56de\u6b78\u9280\u884c\u9ad4\u7cfb\u76e3\u7ba1\uff0c\u4f46\u8a31\u591a\u7d30\u7bc0\u4ecd\u4e0d\u660e\u6717\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%90%B6%E5%88%B0%E8%AA%B0%E7%9A%84%E5%B8%82%E5%A0%B4\"><\/span><strong>\u6436\u5230\u8ab0\u7684\u5e02\u5834<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5a01\u58eb\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u63a8\u51faPOS\u548cPay later\uff0c\u842c\u4e8b\u9054\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u4e5f\u6709\u985e\u4f3c\u7684\u670d\u52d9\u53cd\u64ca<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\uff0c\u8a73\u898b\u6211\u7684<span style=\"font-size: revert;\">\u90e8\u843d\u683c\u7684\u5c08\u6587\u4ecb\u7d39\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/\">\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u8b77\u57ce\u6cb3\u9b06\u52d5\u4e86\u55ce\uff1f<\/a>\u300b\u3002<\/span> <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"190\" height=\"109\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/BNPL-1600x1200-1.jpg\" alt=\"BNPL\" class=\"wp-image-25334\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B5%90%E8%AB%96\"><\/span><strong>\u7d50\u8ad6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6709\u5831\u544a\u6307\u51fa\u76ee\u524d\u7684\u5e02\u5834\u898f\u6a21\u90541\u5146\u7f8e\u91d1\uff0cBlock\u66f4\u6a02\u89c0\uff0c\u9810\u4f30\u7684\u5e02\u5834\u662f 10\u5146\u7f8e\u91d1\u3002<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u4e0d\u662f\u6703\u4e0d\u6703\u6210\u6d41\u884c\uff0c\u800c\u662f\u65e9\u5df2\u7d93\u5728\u53f0\u7063\u4ee5\u5916\u7684\u5df2\u958b\u767c\u570b\u5bb6\uff08\u5305\u62ec\u65e5\u672c\uff09\u5927\u8086\u6d41\u884c\u4e2d\uff0c\u800c\u4e14\u672a\u4f86\u5e7e\u5e74\u6703\u5927\u5e45\u6210\u9577\u3002eMarketer\u7684\u5831\u544a\u6307\u51fa\u7f8e\u570b\u67094\u53435\u767e\u842c\u4eba\u5728\u7528 <span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\uff0c\u800c\u4f7f\u7528<span style=\"font-size: revert;\">\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08Buy now, pay later\uff09<\/span>\u7684\u670975% \u662f40\u6b72\u4ee5\u4e0b\u7684\u5e74\u8f15\u4eba\u3002<\/p>\n\n\n\n<p>\u95dc\u65bcBlock\u7684\u5275\u8fa6\u4eba\u591a\u897f\uff0c\u8acb\u5927\u5bb6\u53c3\u898b\u6211\u7684\u53e6\u5e7e\u7bc7\u90e8\u843d\u683c\u6587\u7ae0\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"block-d0637a03-f2f0-4b2c-a7c3-8bdbdbd1e063\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/12\/%e6%82%a8%e6%87%89%e8%a9%b2%e8%aa%8d%e8%ad%98square%e9%80%99%e5%ae%b6%e4%bc%81%e6%a5%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u60a8\u61c9\u8a72\u8a8d\u8b58Square\u9019\u5bb6\u4f01\u696d\uff08\u516c\u53f8\u540d\u7a31\u5df2\u6539\u70baBlock\uff09<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/stocks\/us-stocks\/square%e4%bd%b5%e8%b3%bcafterpay%e7%9a%84%e9%87%8d%e8%a6%81%e6%80%a7\/\">\u300a Block\u70ba\u4f55\u9245\u8cc7\u4f75\u8cfcAfterpay\uff1f\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%E7%9B%AE%E5%89%8D%E6%9C%80%E7%81%AB%E7%B4%85%E7%9A%84%E6%B6%88%E8%B2%BB%E4%BF%A1%E8%B2%B8%E6%96%B9%E5%BC%8Fbnpl\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u76ee\u524d\u6700\u706b\u7d05\u7684\u6d88\u8cbb\u4fe1\u8cb8\u65b9\u5f0fBNPL<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/02\/10\/sezzle\/\">Sezzle\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><\/p>\n\n\n\n<ul 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