“…Risk management issues have had an overlap with the privacy-related issues and securityrelated issues, hence the construct studied under the risk management category has few elements related to privacy and security. Therefore, risk management issues have been studied with different constructs and concepts such as risk (Brohi et al, 2018), perceived risk (Lian, 2015;Pascual-Miguel et al, 2015;Slade et al, 2015;Fortes et al, 2016;Tandon et al, 2016;Alalwan et al, 2018;Kazancoglu and Aydin, 2018;Farah et al, 2018;Rita et al, 2018;Verkijika, 2018;Ahmed and Kranthi, 2019;Christino et al, 2019;Chopdar and Sivakumar, 2019), perceived privacy risk (Gao et al, 2015;Shaw and Sergueeva, 2019;Wiegard et al, 2019), privacy risk (Aldossari and Sidorova, 2018;Chopdar et al, 2018;Tandon et al, 2018), security risk (Tandon et al, 2016;Aldossari and Sidorova, 2018;Chopdar et al, 2018;Tandon et al, 2018), financial risk (Tandon et al, 2016(Tandon et al, , 2018, time risk (Tandon et al, 2016(Tandon et al, , 2018, social risk (Tandon et al, 2016(Tandon et al, , 2018 P4. Risk will significantly impact the behavioral intention compared to other UTAUT2 constructs.…”