{"id":2485,"date":"2025-10-16T11:00:00","date_gmt":"2025-10-16T03:00:00","guid":{"rendered":"https:\/\/blog.qdm.tw\/?p=2485"},"modified":"2025-10-16T17:10:29","modified_gmt":"2025-10-16T09:10:29","slug":"%e2%96%ae%e6%89%93%e9%80%a0%e9%9b%bb%e5%95%86%e6%96%b0%e5%8b%a2%e5%8a%9b%e7%9a%84%e6%9c%aa%e4%be%86%e5%af%86%e7%a2%bc-bnpl%e2%96%ae","status":"publish","type":"post","link":"https:\/\/blog.qdm.tw\/?p=2485","title":{"rendered":"\u25ae\u6253\u9020\u96fb\u5546\u65b0\u52e2\u529b\u7684\u672a\u4f86\u5bc6\u78bc-BNPL\u25ae"},"content":{"rendered":"\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9415280b559b2298ebbce35ba92af58d wp-block-paragraph\" style=\"font-size:17px\">2025 \u5e74\uff0c\u53f0\u7063\u96fb\u5546\u5e02\u5834\u6301\u7e8c\u5feb\u901f\u64f4\u5f35\uff0c\u5e02\u5834\u898f\u6a21\u9810\u4f30\u7a81\u7834 1.28 \u5104\u7f8e\u5143\u3002\u96a8\u8457\u6d88\u8cbb\u8005\u8cfc\u7269\u7fd2\u6163\u7684\u6539\u8b8a\uff0c<strong>\u5148\u8cb7\u5f8c\u4ed8\uff08BNPL\uff09<\/strong> \u5df2\u6210\u70ba\u5546\u5bb6\u63d0\u5347\u8f49\u63db\u7387\u8207\u5ba2\u55ae\u50f9\u7684\u6838\u5fc3\u5de5\u5177\u3002<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-b164acdb771b8f622f0a5ac0884c3dff wp-block-paragraph\" style=\"font-size:17px\">\u5728 <a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a>\uff0cBNPL \u4e0d\u53ea\u662f\u4ed8\u6b3e\u65b9\u5f0f\u7684\u9078\u9805\uff0c\u800c\u662f\u80fd\u8b93\u5e97\u9577\u5011\u591a\u8ce3\u4e00\u9ede\u7684\u300c\u5fc3\u7406\u52a0\u901f\u5668\u300d\uff0c\u80fd\u5e6b\u52a9\u5e97\u9577\u5011\u5728\u7af6\u722d\u6fc0\u70c8\u7684\u5e02\u5834\u4e2d\uff0c\u6253\u9020\u7a69\u5b9a\u6210\u9577\u7684\u300c\u9a5a\u4eba\u6a21\u5f0f\u300d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2.png\" alt=\"\" class=\"wp-image-2455\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2-300x23.png 300w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2-720x56.png 720w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"699\" height=\"699\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.13.58.png\" alt=\"\" class=\"wp-image-2491\" style=\"width:605px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.13.58.png 699w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.13.58-300x300.png 300w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.13.58-150x150.png 150w\" sizes=\"auto, (max-width: 699px) 100vw, 699px\" \/><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2.png\" alt=\"\" class=\"wp-image-2455\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2-300x23.png 300w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2-720x56.png 720w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-c07d38c10cff5dac5e0b836d8597a1ec wp-block-paragraph\" style=\"font-size:17px\">\u672c\u6587\u5c07\u5f9e\u5e02\u5834\u8da8\u52e2\u3001\u6d88\u8cbb\u8005\u884c\u70ba\u3001\u5e73\u53f0\u7b56\u7565\u3001\u5546\u5bb6\u512a\u52a3\u52e2\u53ca\u672a\u4f86\u5c55\u671b\uff0c\u6df1\u5ea6\u89e3\u6790 BNPL \u5982\u4f55\u6539\u8b8a 2025 \u5e74\u53f0\u7063\u96fb\u5546\u683c\u5c40\u3002<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2.png\" alt=\"\" class=\"wp-image-2455\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2-300x23.png 300w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/image-2-720x56.png 720w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-4022e0bb845d7cc22e1475740bdab338 wp-block-paragraph\" style=\"font-size:17px\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:840px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color has-large-font-size wp-elements-5f7c3babe20a107d3a8164fd73e5add0 wp-block-paragraph\">\u26bf <strong>\u6587\u7ae0\u76ee\u9304<\/strong> \u26bf<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e43aaed7d16975fd7d1be7f01ae07d3b wp-block-paragraph\" style=\"font-size:17px\"><a href=\"#bnpl01\" title=\"\">\u258d<strong><strong><strong><strong><strong><strong><strong>\u4e00\u3001<strong>BNPL \u5728 QDM \u7684\u89d2\u8272<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/a><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-168ce394f9d71f2f5ed5dfcd71e81f8c wp-block-paragraph\" style=\"font-size:17px\"><strong><a href=\"#bnpl02\" title=\"\">\u258d<strong><strong>\u4e8c\u3001<\/strong>2025 \u5e74\u53f0\u7063 BNPL \u8207\u96fb\u5546\u8da8\u52e2<\/strong><\/a><\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d866b9a02117a4665aa842d4080b6ce8 wp-block-paragraph\" style=\"font-size:17px\"><strong><a href=\"#bnpl03\" title=\"\">\u258d<strong><strong>\u4e09\u3001\u5f9e\u5fc3\u7406\u5c64\u9762\u89d2\u5ea6\u770b BNPL<\/strong><\/strong><\/a><\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-13cea789748411827b0711c2d474a628 wp-block-paragraph\" style=\"font-size:17px\"><strong><a href=\"#search4\" title=\"\">\u258d<\/a><strong><strong><a href=\"#bnpl04\" title=\"\">\u56db\u3001BNPL\u5c0d\u65bc\u5e97\u9577\u5011\u7684\u512a\u52e2\u8207\u52a3\u52e2<\/a><\/strong><\/strong><\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-76611a5e7b3dcc973917afaf49eadbd3 wp-block-paragraph\" style=\"font-size:17px\"><strong><a href=\"#search5\" title=\"\">\u258d<\/a><strong><a href=\"#bnpl05\" title=\"\">\u4e94\u3001\u672a\u4f86\u5c55\u671b<\/a><\/strong><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:840px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-f787153d6499e1d487979bf57713d917\" id=\"bnpl01\" style=\"font-size:30px\"><strong>\u4e00\u3001BNPL \u5728 QDM \u7684\u89d2\u8272<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"655\" height=\"527\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-07-\u4e0b\u53486.04.22.png\" alt=\"\" class=\"wp-image-2488\" style=\"width:589px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-07-\u4e0b\u53486.04.22.png 655w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-07-\u4e0b\u53486.04.22-300x241.png 300w\" sizes=\"auto, (max-width: 655px) 100vw, 655px\" \/><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-71bfed9759ee26beb3fcce394781e3da\">BNPL\uff08\u5148\u8cb7\u5f8c\u4ed8\uff09\u900f\u904e <a href=\"https:\/\/qdm.tw\/\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0<\/a> \u53ef\u4ee5\uff1a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-259df7055d54d09674663b6d1886126c\" style=\"font-size:17px\"><strong>\u5373\u523b\u8cfc\u8cb7<\/strong>\uff1a\u6d88\u8cbb\u8005\u53ef\u7acb\u5373\u62ff\u5230\u5546\u54c1\uff0c\u4e0d\u5fc5\u4e00\u6b21\u4ed8\u6e05\u5168\u984d\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-269b2e1b80709559b0c784aa3dbaeffe\" style=\"font-size:17px\"><strong>\u5206\u671f\u6216\u5ef6\u5f8c\u4ed8\u6b3e<\/strong>\uff1a\u964d\u4f4e\u8cfc\u8cb7\u5fc3\u7406\u9580\u6abb\uff0c\u7279\u5225\u9069\u5408\u9ad8\u55ae\u50f9\u5546\u54c1\u6216\u5c0f\u91d1\u984d\u9ad4\u9a57\u3002<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-4aff0384f04f1ec672dd45a8baaccc1d wp-block-paragraph\" style=\"font-size:17px\">BNPL \u662f\u96fb\u5546\u589e\u9577\u5f15\u64ce\uff0c\u5e6b\u52a9\u5e97\u9577\u5011\u63d0\u5347\u5ba2\u55ae\u50f9\u8207\u56de\u8cfc\u7387\u3002<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:840px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-941bf26b9f5891a467793efed15ca3ca\" id=\"bnpl02\" style=\"font-size:30px\">\u4e8c\u30012025 \u5e74\u53f0\u7063 BNPL \u8207\u96fb\u5546\u8da8\u52e2<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-6afb88c62d3261f32ffe8386a5d2f879\">1. \u5e02\u5834\u898f\u6a21\u8207\u589e\u9577<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-09956994d4cb8e552dfcf3c2dd612ab7 wp-block-paragraph\" style=\"font-size:18px\">2025 \u5e74\u53f0\u7063 BNPL \u5e02\u5834\u898f\u6a21\u5c07\u9054 1.28 \u5104\u7f8e\u5143\uff0c2025\u20132030 \u5e74\u4fdd\u6301\u5e74\u5747 10.4% \u589e\u9577\u3002<a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a>\u900f\u904e\u672c\u5730\u5316\u6578\u64da\u652f\u63f4\uff0c\u5e6b\u52a9\u5e97\u9577\u5011\u8a2d\u8a08\u5206\u671f\u7b56\u7565\uff0c\u5438\u5f15\u66f4\u591a\u6d88\u8cbb\u8005\u4e0b\u55ae\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-472a8475947a0c8ffa155b9d9312c3c7\">2. \u6d88\u8cbb\u8005\u884c\u70ba\u8f49\u8b8a<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1a222f4ba0c795f95576e0d7253afef0 wp-block-paragraph\" style=\"font-size:17px\">BNPL \u8b93\u6d88\u8cbb\u8005\u4e0d\u53d7\u4e00\u6b21\u6027\u652f\u4ed8\u9650\u5236\uff0c\u53ef\u66f4\u81ea\u7531\u5730\u8cfc\u7269\u3002\u5e74\u8f15\u65cf\u7fa4\u8207\u4e2d\u8001\u5e74\u65cf\u7fa4\u90fd\u958b\u59cb\u63a5\u53d7\u5206\u671f\u4ed8\u6b3e\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-6b5b6619e4391c027bc4e99df16fcdc8\">3. \u5e97\u5bb6\u8f49\u63db\u6210\u672c<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-eae4376136e8572ba8340137b9fbeb42 wp-block-paragraph\" style=\"font-size:17px\">\u5e97\u9577\u5011\u53ef\u7528\u6700\u5c0f\u6210\u672c\u9054\u5230\u6700\u9ad8\u8f49\u63db\u6548\u7387\uff0c\u63d0\u5347\u6574\u9ad4\u6d88\u8cbb\u8005\u6eff\u610f\u5ea6\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-319520a2be4804a40fd7a8a4c6f04683\">4. \u76e3\u7ba1\u8207\u98a8\u96aa\u7ba1\u7406<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-caa847f250fb924337da35b0c55ab0cb wp-block-paragraph\" style=\"font-size:17px\">\u53f0\u7063 BNPL \u76e3\u7ba1\u5c1a\u672a\u5b8c\u5168\u660e\u78ba\uff0c<a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a> \u4e32\u63a5\u5b89\u5168\u3001\u900f\u660e\u7684\u5206\u671f\u8207\u98a8\u96aa\u63a7\u7ba1\u670d\u52d9\u5546\uff0c\u4fdd\u969c\u5546\u5bb6\u8207\u6d88\u8cbb\u8005\u6b0a\u76ca\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:840px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-a350a02bf7a29de52fb73c8bf9b74c2e\" id=\"bnpl03\" style=\"font-size:30px\">\u4e09\u3001\u5f9e\u5fc3\u7406\u5c64\u9762\u89d2\u5ea6\u770b BNPL<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5987893f0ed189e51866c64ef044637d wp-block-paragraph\" style=\"font-size:17px\">BNPL\uff08\u5148\u8cb7\u5f8c\u4ed8\uff09\u4e0d\u53ea\u662f\u652f\u4ed8\u5de5\u5177\uff0c\u5b83\u7684\u771f\u6b63\u5a01\u529b\u5728\u65bc <strong>\u5f71\u97ff\u6d88\u8cbb\u8005\u5fc3\u7406\u3001\u6539\u8b8a\u8cfc\u8cb7\u884c\u70ba<\/strong>\u3002\u900f\u904e <a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a> \u4e32\u63a5\uff0c\u5e97\u9577\u5011\u53ef\u4ee5\u8b93\u6d88\u8cbb\u8005\u4eab\u53d7\u5206\u671f\u4ed8\u6b3e\u7684\u4fbf\u5229\uff0c\u9032\u800c\u63d0\u5347\u8f49\u63db\u7387\u8207\u5ba2\u55ae\u50f9\uff0c\u800c\u9019\u4e9b\u5fc3\u7406\u512a\u52e2\u662f <strong>\u7b56\u7565\u6838\u5fc3<\/strong>\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">1. \u964d\u4f4e\u4ed8\u6b3e\u58d3\u529b<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-aedbf0eba072655417e1f7760dbb2182\" style=\"font-size:17px\">\u6d88\u8cbb\u8005\u7121\u9700\u4e00\u6b21\u4ed8\u6e05\u5168\u984d\uff0c\u5fc3\u7406\u8ca0\u64d4\u964d\u4f4e\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-816d4107aaf639834e320bc8c27f8d85\" style=\"font-size:17px\">\u9ad8\u55ae\u50f9\u6216\u65b0\u54c1\u724c\u5546\u54c1\u66f4\u5bb9\u6613\u88ab\u5617\u8a66\uff0c\u6e1b\u5c11\u8cfc\u8cb7\u963b\u7919\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-c260b6225615d0739d5db2b494eb7d90\" style=\"font-size:17px\"><a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a>  \u50c5\u63d0\u4f9b\u652f\u4ed8\u4e32\u63a5\uff0c\u5206\u671f\u7531 BNPL \u670d\u52d9\u672c\u8eab\u652f\u63f4\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-1be09abe42e1c106e50c0c3388d4a554\">2. \u5373\u6642\u6eff\u8db3\u611f<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-16404183583dbd726bad9a57e8aa9e76\" style=\"font-size:17px\">\u6d88\u8cbb\u8005\u53ef\u4ee5\u7acb\u5373\u62ff\u5230\u5546\u54c1\uff0c\u6eff\u8db3\u300c\u7acb\u523b\u64c1\u6709\u300d\u7684\u9700\u6c42\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-f36337a29306b40d6a3dcfcd7f6cbfd5\" style=\"font-size:17px\">\u5148\u8cb7\u5f8c\u4ed8\u6253\u7834\u7b49\u5f85\u5fc3\u7406\u969c\u7919\uff0c\u4fc3\u4f7f\u4e0b\u55ae\u884c\u70ba\u7acb\u5373\u767c\u751f\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-e0454949db5e5fc11034b9feea3c6f94\">3. \u63a7\u5236\u611f\u8207\u5f48\u6027<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-868bc0d19dbfe260cd6314624488cd7a\" style=\"font-size:17px\">BNPL \u7d66\u6d88\u8cbb\u8005\u611f\u89ba\u300c\u6211\u638c\u63e1\u652f\u4ed8\u7bc0\u594f\u300d\uff0c\u589e\u52a0\u5fc3\u7406\u5b89\u5168\u611f\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-3a1a7fa5b67032541108d833c45e9eaf\" style=\"font-size:17px\">\u5206\u671f\u6216\u5ef6\u5f8c\u4ed8\u6b3e\u8b93\u6d88\u8cbb\u8005\u89ba\u5f97\u8cfc\u7269\u66f4\u81ea\u7531\u3001\u9078\u64c7\u66f4\u591a\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-bedd2a2c688e85660fb981f8041e21b7\">4. \u6d88\u8cbb\u5408\u7406\u5316<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-3fa349f5eaab75d6cfc6bea26281e71c\" style=\"font-size:17px\">\u5206\u671f\u4ed8\u6b3e\u5fc3\u7406\u4e0a\u66f4\u5bb9\u6613\u300c\u5408\u7406\u5316\u6d88\u8cbb\u300d\uff0c\u6e1b\u5c11\u6d88\u8cbb\u5f8c\u7684\u8ca0\u7f6a\u611f\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-163c4493d77e9c9cfdc60aaf93adff96\" style=\"font-size:17px\">\u6d88\u8cbb\u8005\u6703\u89ba\u5f97\u300c\u82b1\u5c0f\u9322\u5c31\u80fd\u5f97\u5230\u5546\u54c1\u300d\uff0c\u63d0\u9ad8\u8cfc\u8cb7\u610f\u9858\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-8ce1c8c5910cad8a227a4501bafdc57c\">5. \u793e\u7fa4\u5fc3\u7406\u6548\u61c9<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-791953342b34ab0279c680660cafd388\" style=\"font-size:17px\">\u6d88\u8cbb\u8005\u770b\u5230\u670b\u53cb\u3001\u7db2\u7d05\u4f7f\u7528 BNPL \u5206\u671f\uff0c\u5bb9\u6613\u7522\u751f\u6a21\u4eff\u884c\u70ba\uff08\u5f9e\u773e\u5fc3\u7406\uff09\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-236f8d338a1ed1ade11515058d890314\" style=\"font-size:17px\">\u5e97\u9577\u5011\u53ef\u900f\u904e\u793e\u7fa4\u5206\u4eab\u6216\u63a8\u85a6\u6d3b\u52d5\uff0c\u653e\u5927\u5fc3\u7406\u5f71\u97ff\u529b\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:840px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-5541abe571a06aa004329b5fd2a37fab\" id=\"bnpl04\" style=\"font-size:30px\">\u56db\u3001BNPL\u5c0d\u65bc\u5e97\u9577\u5011\u7684\u512a\u52e2\u8207\u52a3\u52e2<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"688\" height=\"496\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.24.13.png\" alt=\"\" class=\"wp-image-2492\" style=\"width:600px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.24.13.png 688w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/10\/\u622a\u5716-2025-10-08-\u4e0a\u534810.24.13-300x216.png 300w\" sizes=\"auto, (max-width: 688px) 100vw, 688px\" \/><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-aa160dbf07db24d15106c5acf7fcc06b\">1. \u512a\u52e2<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-f88b4c3b2a313c16fd526642530d5c0d\" style=\"font-size:17px\"><strong>\u63d0\u5347\u8f49\u63db\u7387\u8207\u5ba2\u55ae\u50f9<\/strong>\uff1a\u964d\u4f4e\u4e00\u6b21\u6027\u4ed8\u6b3e\u9580\u6abb\uff0c\u4fc3\u9032\u4e0b\u55ae\u8207\u52a0\u8cfc\u5546\u54c1\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-0d80e079b12b39a810049f47a65c3025\" style=\"font-size:17px\"><strong>\u5438\u5f15\u65b0\u5ba2\u8207\u56de\u8cfc<\/strong>\uff1a\u6e1b\u5c11\u5fc3\u7406\u8ca0\u64d4\uff0c\u793e\u7fa4\u88c2\u8b8a\u8207\u6703\u54e1\u5236\u5ea6\u589e\u52a0\u56de\u8cfc\u7387\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-34bba7aedfb5a7ca4e1eac7a549004e0\" style=\"font-size:17px\"><strong>\u6578\u64da\u7cbe\u6e96\u5316\u884c\u92b7<\/strong>\uff1a\u638c\u63e1\u6d88\u8cbb\u884c\u70ba\uff0c\u512a\u5316\u5546\u54c1\u7b56\u7565\u8207\u884c\u92b7\u6d3b\u52d5\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color 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wp-elements-3da546c1ef5ec26bfa3a2e712804f7a3\">2. \u52a3\u52e2<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-60751a5e65b037df80104436bee89acb\" style=\"font-size:17px\"><strong>\u73fe\u91d1\u6d41\u7684\u58d3\u529b<\/strong>\uff1a\u5e97\u9577\u9700\u5148\u51fa\u8ca8\uff0c\u4f46\u6536\u6b3e\u53ef\u80fd\u5ef6\u5f8c\uff0c\u5f71\u97ff\u8cc7\u91d1\u5468\u8f49\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-94e60df188772fb2f30d86d90253a5cd\" style=\"font-size:17px\"><strong>\u9000\u63db\u8ca8\u98a8\u96aa<\/strong>\uff1a\u5206\u671f\u964d\u4f4e\u5fc3\u7406\u8ca0\u64d4\uff0c\u53ef\u80fd\u589e\u52a0\u9000\u63db\u8ca8\u6bd4\u4f8b\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-97b764cbcbf672b1b2645ed2344a08cc\" style=\"font-size:17px\"><strong>\u624b\u7e8c\u8cbb\u6216\u5408\u4f5c\u6210\u672c<\/strong>\uff1aBNPL\u670d\u52d9\u5546\u9700\u6536\u624b\u7e8c\u8cbb\uff0c\u6bdb\u5229\u4f4e\u7684\u5546\u54c1\u53ef\u80fd\u5229\u6f64\u53d7\u5f71\u97ff\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-c450605dbd312e70363684980c0235cc\" style=\"font-size:17px\"><strong>\u4fe1\u7528\u98a8\u96aa\u8207\u8a50\u9a19<\/strong>\uff1a\u6d88\u8cbb\u8005\u53ef\u80fd\u903e\u671f\u6216\u9055\u7d04\uff0c\u9700\u8981\u98a8\u63a7\u63aa\u65bd\u3002<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-aa85dd5cb1c3c4428f3b772a6ea712e6 wp-block-paragraph\" style=\"font-size:17px\">\u5229\u7528 <a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a>  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style=\"font-size:30px\">\u4e94\u3001\u672a\u4f86\u5c55\u671b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-cad7157b43dde4e83add5e44a1e80cf2 wp-block-paragraph\" style=\"font-size:17px\">BNPL \u5728 2025 \u5e74\u5df2\u4e0d\u53ea\u662f\u4ed8\u6b3e\u9078\u9805\uff0c\u800c\u662f\u96fb\u5546\u5e73\u53f0\u6838\u5fc3\u589e\u9577\u7b56\u7565\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-027c7102ae9f494139be7d72b8f9dd7a\" style=\"font-size:17px\">\u8207\u6703\u54e1\u5236\u5ea6\u8207\u5fe0\u8aa0\u8a08\u5283\u6574\u5408\uff0c\u63d0\u9ad8\u56de\u8cfc\u7387\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-c67ebdd84cc313b72651495fb68cc4c4\" style=\"font-size:17px\">\u793e\u7fa4\u88c2\u8b8a\u8207\u904a\u6232\u5316\u8a2d\u8a08\uff0c\u8b93\u652f\u4ed8\u65b9\u5f0f\u6210\u70ba\u884c\u92b7\u5229\u5668\u3002<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-e2012e78a8de8726a105285a0e1c1a70\" style=\"font-size:17px\">\u7d50\u5408\u5206\u671f\u65b9\u6848\uff0c\u63d0\u5347\u5ba2\u55ae\u50f9\u8207\u6d88\u8cbb\u8005\u6eff\u610f\u5ea6\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color wp-elements-a33fa0b54375c7fb65e815f0934b13ca wp-block-paragraph\" style=\"font-size:15px\">\u8a3b\uff1a\u300c\u793e\u7fa4\u88c2\u8b8a\u300d\u662f\u6307\u7528\u6236\u5206\u4eab\u6d3b\u52d5\u9023\u7d50\u7d66\u670b\u53cb\uff0c\u670b\u53cb\u518d\u5206\u4eab\u51fa\u53bb\uff0c\u50cf\u75c5\u6bd2\u4e00\u6a23\u64f4\u6563<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:15px\">\ud83d\udcd5 \u770b\u66f4\u591a&nbsp;<a href=\"https:\/\/blog.qdm.tw\/?p=109\"><\/a><strong><a href=\"https:\/\/help.qdm.tw\/support\/solutions\/articles\/67000746134\">\u25ae\u5efa\u7acb\u6703\u54e1\u5236\u5ea6\u25ae<\/a>&nbsp;<\/strong>\u7684\u6559\u5b78<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:15px\">\ud83d\udcd5 \u770b\u66f4\u591a&nbsp;<a href=\"https:\/\/blog.qdm.tw\/?p=109\"><\/a><strong><a href=\"https:\/\/help.qdm.tw\/support\/solutions\/articles\/67000746134\">\u25ae<\/a><a href=\"https:\/\/help.qdm.tw\/support\/solutions\/articles\/67000473984-%E6%96%B0%E6%89%8B%E5%85%A5%E9%96%80%EF%BC%81%E3%80%8C%E9%87%91%E6%B5%81%E3%80%8D%E8%A8%AD%E5%AE%9A\">\u65b0\u624b\u5165\u9580\uff01\u300c\u91d1\u6d41\u300d\u8a2d\u5b9a<\/a>&nbsp;\u25ae&nbsp;<\/strong>\u7684\u6559\u5b78<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"56\" src=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png\" alt=\"\" class=\"wp-image-442\" style=\"width:260px;height:auto\" srcset=\"https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16.png 728w, https:\/\/blog.qdm.tw\/wp-content\/uploads\/2025\/02\/\u622a\u5716-2025-02-19-\u4e0b\u53482.18.16-300x23.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-8e6fde480d140e36ee4ae79b6c945467 wp-block-paragraph\" style=\"font-size:17px\">\u900f\u904e <a href=\"https:\/\/qdm.tw\" title=\"\">QDM\u958b\u5e97\u5e73\u53f0 <\/a> \uff0cBNPL \u50cf\u4e00\u500b\u300c\u92b7\u552e\u5c0f\u7cbe\u9748\u300d\uff0c\u61c2\u6d88\u8cbb\u5fc3\u7406\uff0c\u4e5f\u61c2\u5982\u4f55\u5e6b\u5e97\u9577\u5011\u5275\u9020\u7a69\u5b9a\u6536\u76ca\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-994acb10bccadf8ae914de930c94fdf8 wp-block-paragraph\" style=\"font-size:17px\">\u5584\u7528 BNPL \u9a5a\u4eba\u6a21\u5f0f\u7684\u5e97\u9577\u5011\uff0c\u5c07\u5728 2025 \u5e74\u53f0\u7063\u96fb\u5546\u5e02\u5834\u4e2d\u7a69\u7a69\u8d0f\u5f97\u5148\u6a5f\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-vivid-red-color has-text-color has-link-color 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