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The rapid growth of Buy Now, Pay Later (BNPL) services has transformed financial behaviour among Malaysian youth, yet the key drivers of its adoption intention remain insufficiently understood. This study introduces a data-driven insight by examining the effects of social influence, perceived usefulness, and perceived ease of use on youths' intention to use BNPL. Data from 222 Malaysian youths were analysed using multiple linear regression. The findings revealed that social influence and perceived usefulness significantly influenced BNPL intention, with social influence emerging as the strongest predictor. The findings provide novel evidence to support BNPL strategies and Malaysia's digital economy.