When Relevance Feels Risky: Consumer Avoidance of Personalized Advertising in the Digital Age

Personalized advertising is now routine in digital commerce and new media, but relevance does not always translate into acceptance. When consumers read tailored messages as signs of tracking or inference rather than as useful assistance, they may feel exposed and avoid the advertising. Drawing on advertising avoidance theory, privacy calculus theory, and control agency theory, this study examines a privacy-risk account of personalized advertising avoidance. Survey data from 502 consumers and structural equation modeling show that privacy concern, privacy fatigue, and prior negative experiences are directly associated with advertising avoidance. Privacy concern, prior negative experiences, and perceived personalization are also positively associated with perceived risk; perceived industry self-regulation is negatively but non-significantly associated with perceived risk; and perceived risk is positively associated with advertising avoidance. These results position perceived risk as a close downstream appraisal through which consumers make sense of data-driven targeting. The study contributes to digital commerce and interactive marketing research by showing that consumers evaluate personalized advertising not only as a cue of relevance, but also as a possible source of privacy vulnerability. It also offers implications for transparent targeting, visible user control, platform governance, and less intrusive personalization.