“…Previous studies have indicated several significant personal effects on users' trust toward automated systems, including dispositional trust [2,33,45], personality traits [33,34,49,58], age [11,16,21,42,51], gender [39,59], and culture/ethnicity [19,28,29,53]. However, as far as we know, no empirical research has investigated how personal factors affect dynamic formation of human-agent trust.…”