The Covid-19 pandemic has increased the volume of ShopeePay transactions. In return, the continued use of mobile payments will be a challenge for ShopeePay to maintain transaction volume after the pandemic ends. Then it is recorded in a survey that the lowest ShopeePay users were users outside Java. This study aims to examine the structural relationship between mobility, customization, security, reputation, trust, and risk perception on the continued intention of ShopeePay users in areas outside Java, then the role of gender in moderating factors that influence trust in mobile payment platforms. This study uses the method of Structural Equation Modeling (SEM) analysis through data processing software SmartPLS. The results of the study indicate that trust has a significant effect on increasing sustained intention to use mobile payments. Mobility, customization, security, and reputation significantly affect trust in mobile payment platforms and have an indirect impact on increasing the sustainable goal of using mobile payments with trust as a mediating variable. Trust has a significant effect in reducing user risk. The negative impact of perceived risk does not significantly reduce the intention to continue using ShopeePay. Furthermore, gender differences have different influences on user perceptions when building trust in mobile payments.
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