“…Still, they failed to address the critical user privacy issues. Several different studies in the past have attempted to partially address the issue by incorporating security (Albugami and Bellaaj, 2014;Moraes and Meirelles, 2017;Moryson and Moeser, 2016;Nelloh et al, 2019), risk (Clark et al, 2019;Hansen et al, 2018;Kim et al, 2008;Kim and Lennon, 2013;Taiwo et al, 2014) and Tr (Chao, 2019;Hansen et al, 2018;Kabra et al, 2017;Kim et al, 2008;Moraes and Meirelles, 2017;Moryson and Moeser, 2016;Taiwo et al, 2014) to better predict BIU, but have never explored the relationships between these constructs simultaneously.…”