Hoffman, Donna L., Thomas P. Novak, and Marcos A. Peralta, "Building Consumer Trust in Online Environments: The Case for Information Privacy," (December 1998).
This paper appears in print as: Hoffman, Donna L., Thomas P. Novak, and Marcos A. Peralta, "Building Consumer Trust Online," Communications of the ACM, Volume 42, Number 4, April, 80-85.