“…When consumers subjectively perceive that a product or service does not meet the minimum requirements, it causes them to perceive risk and adopt avoidance behavior to reduce their exposure to that risk ( Taylor, 1974 ). Researchers have found that online targeted advertising overstates product effectiveness, provides ineffective or false information, over-collects and uses users’ private information, wastes users’ time, limits their freedom of search and choice, and generates negative behaviors and attitudes when users perceive that these risks do not match their requirements ( Mitchell, 1999 ; Newell and Marabelli, 2015 ; Chen et al, 2019 ; Pelaez et al, 2019 ; Wai et al, 2019 ; Tobi et al, 2020 ; Wu et al, 2020 ; Ahmed et al, 2021 ; Jain, 2021 ; Matiza and Kruger, 2021 ; Sharma et al, 2021 ). Therefore, the study proposes the following hypothesis:…”