This study investigated the key factors that explain the continuous usage intention of mobile payment users in the post COVID-19 pandemic era. Based on the health belief model (HBM) and communication privacy management (CPM) theory, this study examined how the five constructs of HBM influence mobile payments continuous usage intention through perceived privacy risk and perceived security. It also investigated the moderating role of perceived privacy awareness on the relationship between perceived privacy risk and continuous usage intention as well as the moderating role of information sensitivity on the relationship between perceived security and continuous usage intention.