Users’ continuance intention to use plays a key role in realising disruptive technology innovation. Drawing from expectation – confirmation theory, this study integrates perceived value, trust, and habit to investigate how they affect users’ continuance intention to use disruptive technology innovation by using a questionnaire survey of 247 e-business microcredit users in China. The results indicate that perceived value and trust have an independent positive effect on users’ satisfaction and continuance intention to use, satisfaction has a positive effect on users’ continuance intention to use, and habit moderates negatively the relationship between perceived value and users’ continuance intention to use. The findings contribute to the literature of disruptive technology innovation, innovation adoption, and post adoption behaviour, and shed light on continuers’ behaviour of disruptive technology innovation.