The rapid expansion of Buy Now Pay Later (BNPL) services have transformed consumer purchasing behavior, particularly among younger digital natives. However, the convenience of deferred payment has raised concerns about impulsive buying, indebtedness, and data security risks. This study aims to examine how system quality, service quality, perceived usefulness, confirmation, satisfaction, and impulsive buying influence the continued use of cloud computing that supports BNPL platforms. Data were collected using purposive sampling from 472 respondents in the Greater Jakarta area, Indonesia, between March and April 2025, consisting mainly of students, employees, and young professionals. The data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) technique to explore relationships among behavioral and technological constructs. The results show that perceived usefulness, confirmation, and satisfaction strongly affect user engagement and sustained technological use, while impulsive buying contributes positively to short-term satisfaction. The findings extend digital finance theory by linking psychological and technical dimensions in BNPL adoption and emphasizing the importance of ethical platform design and digital trust. Practically, the study offers insights for policymakers and fintech developers to enhance consumer protection and build responsible lending ecosystems.