“…Financial or healthcare services – which can use IT to become more personalised, efficient, and cost competitive – are contained due to information privacy concerns and regulations like HIPAA, FCRA, and others (Motiwalla and Li, 2013; Turhan and Vayvay, 2012). These regulations have created some confusion with no clear guidelines on consumer risks, inconsistent practices across media and platforms, different regulatory treatment across industries, like telecommunications and IT, and above all regulations that are not customer-driven (Clemons et al, 2014). This environment has created a need to understand consumer privacy behaviour in an economic setting, where personal information is treated like a commodity.…”