“…When risks are perceived to be low, people may be driven to engage in an action; while high perceptions of risks may discourage them from performing a similar action (Das & Teng, 2004). In fact, in several studies, perceptions of risks had been found to negatively impact attitudes towards electronic transactions (Van der Heijden, Verhagen, & Creemers, 2003) and intentions to engage in online commercial exchanges (Chen & He, 2003;Herrero Crespo et al, 2009;Teo & Liu, 2007); just as they also lower citizens' inclination to avail government services online (Schaupp & Carter, 2010). Perceptions of the risks involved in online disclosures of personal data could also discourage Internet users from divulging such data for electronic transactions (Malhotra, Kim, & Agarwal, 2004;Norberg, Horne, & Horne, 2007;Treiblmaier & Chong, 2007) and negatively impact their attitudes towards information disclosure (Zimmer et al, 2010a).…”