Today's environment is filled with the proliferation of cyber-attacks that result in losses for organizations and individuals. Hackers often use compromised websites to distribute malware, making it difficult for individuals to detect. The impact of clicking through a link on the Internet that is malware infected can result in consequences such as private information theft and identity theft. Hackers are also known to perpetrate cyber-attacks that result in organizational security breaches that adversely affect organizations' finances, reputation, and market value. Risk management approaches for minimizing and recovering from cyber-attack losses and preventing further cyber-attacks are gaining more importance. Many studies exist that have increased our understanding of how individuals and organizations are motivated to reduce or avoid the risks of security breaches and cyber-attacks using safeguard mechanisms. The safeguards are sometimes technical in nature, such as intrusion detection software and anti-virus software. Other times, the safeguards are procedural in nature such as security policy adherence and security awareness and training. Many of these safeguards fall under the risk mitigation and risk avoidance aspects of risk management, and do not address other aspects of risk management, such as risk transfer. Researchers have argued that technological approaches to security risks are rarely …

Understanding information technology and its related products and services is increasingly important because the everyday use of technology continues to expand and broaden. Despite this need for greater understanding, the extant theories that explore the dominant factors that drive intention to use a new technology are limited. The Technology Acceptancy Model (TAM) is the most popular model in explaining traditional technology adoption. The limitations of the TAM in grasping the overall evaluation of technology or service are one of motivations for developing new models in this dissertation. The two antecedents of the TAM- perceived usefulness and perceived ease of use- only capture partial utility of a service (or product). In addition, some researchers argued that key factors used in an initial acceptance model such as perceived usefulness and perceived ease of use are not strong predictors of future continuance intention of the service because they do not consider future switching intention in the later stage. Hence, one goal of this dissertation is to develop and test new models to predict factors that drive intention and continuance intention decisions of new technology related products or services. This research involves three studies that examine different aspects of adoption and continuance intention decisions …