“…If the data requested by online organizations are assessed to be very sensitive, Internet users' perceptions of the risks involved in sharing personal information online would expectedly increase (Malhotra, Kim, & Agarwal, 2004), which could reduce their inclination to disclose them whenever requested (Castaneda & Montoro, 2007). Several studies have shown that Internet users are reluctant to disclose personally-identifiable information, such as their complete names or contact addresses (Acquisti & Grossklags, 2005;Metzger, 2006;Phelps, Nowak, & Ferrell, 2000), and financial information, such as income and credit card numbers (Metzger, 2006;Phelps, D'Souza, & Nowak, 2001;Phelps, Nowak, & Ferrell, 2000).…”