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Drawing on the control agency theory and the network effect theory, the purpose of this paper is to examine the effect of privacy assurance approaches, network externality and technology complementarity on consumers’ self-disclosure in mobile payment (MP) applications. The authors identify four types of privacy assurance approaches: perceived effectiveness of privacy setting, perceived effectiveness of privacy policy, perceived effectiveness of industry self-regulation and perceived effectiveness of government legislation. The research model considers how these privacy assurance approaches influence privacy concerns and consumers’ self-disclosure in MP applications under boundary conditions of network externality and technology complementarity.

An online survey with 647 sample users was conducted to empirically validate the model. The target respondents were current consumers of a popular MP application. The empirical data were analyzed by a structural equation modeling approach.

The empirical results reveal several major findings. First, privacy assurance approaches can effectively decrease privacy concerns, which ultimately formulates consumers’ self-disclosure in MP applications. Second, network externality and technology complementarity weaken the effect of perceived effectiveness of privacy setting on privacy concerns. Third, network externality and technology complementarity strengthen the relationship between perceived effectiveness of government legislation and privacy concerns, while they have non-significant interaction effect with perceived effectiveness of privacy policy and industry self-regulation on privacy concerns.

MP providers and stakeholders can harness the efficacy of privacy assurance approaches in alleviating privacy concerns and promoting consumers’ self-disclosure in MP applications.

The authors’ work contributes to the information privacy literature by identifying effective privacy assurance approaches in promoting consumers’ self-disclosure in MP applications, and by highlighting boundary conditions of these privacy assurance approaches.

Offshoring is a common practice to operationalize global business strategies. Data protection and privacy assurance are major concerns in such international arrangements. This paper aims to examine the strategy adopted to ensure privacy assurance in offshoring arrangements.

This is a literature review to understand privacy assurance strategies adopted in offshoring arrangements and an exploratory case study of captive offshoring arrangement with onshore location in Canada and offshoring locations in India and Philippines. A comparative analysis of the privacy laws and privacy principles of Canada, Philippines and India has been done.

It was found that at the time of migration of process or work to the offshore location, organizations follow a conformist privacy strategy; however, once in business as usual mode, they follow entrepreneur privacy strategy. Privacy impact assessment (PIA) was found to be an important element in resolving the “administrative problem” of an offshoring organization’s privacy assurance strategy.

The core privacy principles are outlined in the PIA templates; however, the current templates are designed to meet the conformist strategy and may need to be revised to include the cultural aspects, training, audit and information security requirements to plan and deliver on the entrepreneur strategy.

Offshoring organizations can benefit by planning for entrepreneur privacy assurance strategy at the inception stage. Enhancements to PIA templates to facilitate the same have been suggested.

Privacy assurance strategy followed by organizations while offshoring has been examined. This paper suggests extending the PIA process so that it covers privacy assurance requirements in offshoring arrangements. The learnings can be used in managing privacy assurance requirements in similar multi-country offshore arrangements.

As mobile apps request permissions from users, protecting mobile users' personal information from being unnecessarily collected and misused becomes critical. Privacy regulations, such as General Data Protection Regulation in the European Union (EU), aim to protect users' online information privacy. However, one’s understanding of whether these regulations effectively make mobile users less concerned about their privacy is still limited. This work aims to study mobile users' privacy concerns towards mobile apps by examining the effects of general and specific privacy assurance statements in China and the EU.

Drawing on ecological rationality and heuristics theory, an online experiment and a follow-up validation experiment were conducted in the EU and China to examine the effects of privacy assurance statements on mobile users' privacy concerns.

When privacy regulation is presented, the privacy concerns of Chinese mobile users are significantly lowered compared with EU mobile users. This indicates that individuals in the two regions react differently to privacy assurances. However, when a general regulation statement is used, no effect is observed. EU and Chinese respondents remain unaffected by general assurance statements.

This study incorporates notions from fast and frugal heuristics end ecological rationality – where seemingly irrational decisions may make sense in different societal contexts.

With the popularity of mobile applications and increasing consumer awareness of application privacy, this paper aims to introduce a new construct of service-privacy fit (i.e. the perceived degree of match between the service of a mobile application and a privacy permission request) to predict consumers’ mobile application adoption.

Four experiments were carried out to test the hypothesized relationships. The first study investigated the direct impact of service-privacy fit on application adoption and the mediators of benefit expectancy and privacy concerns. The second, third and fourth studies further applied the moderated mediation model to analyze the moderating roles of benefit message type, regulatory focus type and privacy assurance.

The results show that service-privacy fit influences application adoption not only directly but also indirectly via the mediators of benefit expectancy and privacy concerns. Furthermore, the findings confirm the moderators of benefit message type, regulatory focus type and privacy assurance.

Drawn from the perspectives of task-technology fit and information boundary theory, this paper introduces a new construct of service-privacy fit as a determinant of application adoption. Grounded in privacy calculus theory, it further explains this relationship through mediating effects of benefit expectancy and privacy concerns. Furthermore, this paper proposes that benefit messages and privacy assurance are effective coping strategies to increase the benefit expectancy and reduce the privacy concerns of applications. Based on the perspective of regulatory fit theory, this study further shows that the effects of coping strategies rely on personal traits. The findings enrich the existing knowledge of mobile application adoption and application privacy, suggesting that practitioners should consider mobile consumers’ perception of service-privacy fit when developing applications.

The General Data Protection Regulation (GDPR) introduces significant data protection obligations on all organizations within the European Union (EU) and those transacting with EU citizens. This paper presents the GDPR privacy label and uses two empirical studies to examine the effectiveness of this approach in influencing consumers' privacy perceptions and related behavioral intentions.

The paper tests the efficacy of two GDPR privacy label designs, a consent-based label and a static label. Study 1 examines the effects of each label on perceptions of risk, control and privacy. Study 2 investigates the influence of consumers' privacy perceptions on perceived trustworthiness and willingness to interact with the organization.

The findings support the potential of GDPR privacy labels for positively influencing perceptions of risk, control, privacy and trustworthiness and enhancing consumers' willingness to transact and disclose data to online organizations.

The findings are useful for organizations required to comply with the GDPR and present a solution to requirements for transparent communications and explicit consent.

This study examines and demonstrates the efficacy of visualized privacy policies in impacting consumer privacy perceptions and behavioral intentions.

The privacy paradox refers to the situation where users of online services continue to disclose personal information even when they are concerned about their privacy. One recent study of Facebook users published in Internet Research concludes that laziness contributes to the privacy paradox. The purpose of this study is to challenge the laziness explanation. To do so, we adopt a cognitive dispositions perspective and examine how a person’s external locus of control influences the privacy paradox, beyond the trait of laziness.

A mixed method approach is adopted. We first develop a research model which hypothesises the moderating effects of both laziness and external locus of control on privacy issues. We quantitatively test the research model through a two-phase survey of 463 Facebook users using the Hayes PROCESS macro. We then conduct a qualitative study to verify and develop the findings from the quantitative phase.

The privacy paradox holds true. The findings confirm the significant influence of external locus of control on the privacy paradox. While our quantitative findings suggest laziness does not affect the association between privacy concerns and self-disclosure, our qualitative data does provide some support for the laziness explanation.

Our study extends existing research by showing that a person’s external locus of control provides a stronger explanation for the privacy paradox than the laziness perspective. As such, this study further reveals the boundary conditions on which the privacy paradox exists for some users of social networking sites, but not others. Our study also suggests cognitive dissonance coping strategies, which are largely absent in prior investigations, may influence the privacy paradox.

This study aimed to determine the antecedents of privacy concerns and their impact on consumers' online information disclosure. It also investigated the moderating role of government regulation on the relationship between privacy concerns and online information disclosure.

With the help of literature review and theories, a theoretical model was developed and then validated using the partial least squares structural equation modeling technique to analyze data from 309 respondents.

The study found that online users' privacy awareness, privacy experience, personality and cultural differences significantly and positively impact their privacy concerns, which in turn positively and significantly influence their online information disclosure. The study also found that government regulation has a significant impact on online information disclosure.

The study is cross-sectional in nature and cannot be generalized, and therefore, a longitudinal study could be conducted. Also, the study identified four antecedents of online users' privacy concerns. More antecedents and more sample data with other boundary conditions could have increased the predictive power of the model.

This study will help practitioners to better understand the privacy concerns of online users, which could help them to develop better products and enhance service quality. Policymakers can develop regulations as per the online users' requirements to increase their confidence in disclosing personal information online and other online activities.

Few studies have dealt with online users' information disclosure and their privacy concerns or the moderating role of government regulations on online information disclosure. The study is unique as its proposed model is the first that accounts for both online users' privacy concerns and government regulation and their online information disclosure.

The coronavirus disease 2019 (COVID-19) epidemic has given an upsurge to online retailing in Pakistan. This shift has escalated the issues about privacy concerns among consumers. Keeping in view the growing concerns, the objective of this study is to investigate customer patronage in online shopping and the role of privacy concerns in this relationship.

To generalize the relationship between antecedents and outcomes of privacy concerns, a cross-disciplinary macro model was used. Data were collected through a survey method from the consumers who used credit and debit cards during online shopping.

Results show that government regulations have a significant positive relationship with privacy concerns and customer patronage. Privacy concerns are found to have a significant negative relationship with organizational ethical care while customer patronage was found to have a significant positive relationship with organizational ethical care. Customer patronage was also found to have a significant negative relationship with privacy concerns. Privacy concerns mediated the relationship between government regulations and customer patronage, whereas privacy concerns does not mediate the relationship between organizational ethical care and customer patronage.

The research adds to the existing literature and highlights the customer behavior toward online shopping/e-commerce in developing economies. The research gives a direction to stakeholders to counter privacy concerns and ensure safer e-commerce practices.

Sellers view facial recognition mobile payment services (FRMPS) as a convenient and cost-saving way to receive immediate payments from customers. For consumers, however, these biometric identification technologies raise issues of usability as well as privacy, so FRMPS are not always preferable. This study uses the stressor–strain–outcome (S–S–O) framework to illuminate the underlying mechanism of FRMPS resistance, thereby addressing the paucity of research on users' negative attitudes toward FRMPS.

Drawing from the stressor–strain–outcome (S–S–O) framework, the purpose of this study is to illuminate the underlying mechanism of FRMPS resistance. To this end, they invited 566 password authentication users who had refused to use FRMPS to complete online survey questionnaires.

The findings enrich the understanding of FRMPS resistance and show that stressors (i.e. system feature overload, information overload, technological uncertainty, privacy concern and perceived risk) aggravate the strain (i.e. technostress), which then leads to users’ resistance behaviors and negative word of mouth.

Advances in payment methods have profoundly changed consumers’ consumption and payment habits. Understanding FRMPS resistance can provide marketers with strategies for dealing with this negative impact. This study theoretically confirms the S–S–O paradigm in the FRMPS setting and advances it by proposing thorough explanations of the major stressors that consumers face. Building on their findings, the authors suggest ways service providers can eliminate the stressors, thereby reducing consumers’ fear and preventing resistance or negative word-of-mouth behaviors. This study has valuable implications for both scholars and practitioners.

The purpose of the current research is to present an explanatory framework for how people selectively attend to privacy-related news information about LBA depending on the extent to which they know about LBA already as well as their appraisals of privacy threats and efficacy.

The proposed model was tested using structural equation modeling based on a total of 522 useable responses obtained from an online survey.

The results revealed two different approaches to information exposure: (1) people choose to seek out privacy-related news articles when their persuasion knowledge and perceived threat level are high, whereas (2) they tend to avoid such information when perceived threats accompany fear as well as psychological discomfort, or when they believe that they are knowledgeable about LBA practices and highly capable of protecting their privacy.

With the development of real-time location-tracking technologies, the practice of LBA is becoming increasingly popular. As such, however, concerns about data collection and privacy are also on the rise, garnering a great deal of media attention. Despite the importance and constant stream of news reports on the subject, a comprehensive understanding of consumers' privacy assessments and information consumption remains underexamined. By incorporating the persuasion knowledge model and extended parallel process model, the current research presents an explanatory framework for consumers' privacy perceptions and information choice.