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Based on the privacy calculus framework and the stimulus-organism-response (S-O-R) model, this study examines online information disclosure decision as a result of affective and cognitive reactions of online consumers over several stages, i.e. an initial stage where an overall impression is formed about an unfamiliar online vendor, and a subsequent information exchange stage where information necessary to complete the ecommerce transaction will be provided to the online vendor. We found that,doi:10.1016/j.dss.2011.01.017 fatcat:uci2fpjcdbcejb6xmjdru4vafq