However, perceived privacy risk is not affected by online shopping experience for digital products.
Result of a t-test on perceived privacy risk between digital and non-digital products indicates that shoppers tend to
perceive a higher level of privacy risk when shopping apparel products (M=3.75) than music products (M=2.92,
p=.032). It may be that shoppers are required to provide more personal information such as sizes and home
addresses for delivery to complete a transaction when buying apparel products online whereas buying downloadable
MP3 or MP4 files requires less information. Therefore, shoppers’ perception of privacy risk does not seem to be
influenced by previous shopping experience for digital products as for non-digital products. Moreover, it should be
noted that although the influence of previous online shopping experience on product and financial risk perceptions
are significant for both product categories, its relative strength is greater for apparel products than for music
products. Therefore, online shopping experience may explain, but not serve as a universal predictor of, the variance