Personality Traits, Trust, and Acceptance of Artificial Intelligence Assistive Systems: Evidence from Nigeria Population

The increasing deployment of artificial intelligence (AI) assistive systems across healthcare, education, and organisational domains necessitates a deeper understanding of dispositional factors shaping trust and acceptance. This study investigated the Big Five personality traits as predictors of trust in and acceptance of AI assistive systems among a large adult sample (N = 380) in Makurdi Benue State. Anchored in the Technology Acceptance Model (TAM) developed by Davis (1989), the study examined both direct and indirect pathways linking personality traits to AI acceptance through trust. Participants completed standardised measures of the Big Five Inventory, Trust in AI Scale, and AI Acceptance Scale. Data were analysed using structural equation modelling (SEM) with maximum likelihood estimation. The hypothesised model demonstrated good fit indices (CFI = .84, TLI = .82, RMSEA = .05). Openness to experience ({beta} = .34, p < .001) and agreeableness ({beta} = .27, p < .01) significantly predicted trust in AI systems, which in turn strongly predicted AI acceptance ({beta} = .62, p < .001). Neuroticism negatively predicted trust ({beta} = -.29, p < .001), while conscientiousness showed a modest positive direct effect on acceptance ({beta} = .18, p < .05). Extraversion was not a significant direct predictor but exerted an indirect effect through trust. Mediation analysis confirmed that trust significantly mediated the relationship between personality traits and AI acceptance. The findings underscore the centrality of dispositional traits in shaping technological trust formation and highlight the psychological architecture underlying human AI interaction. These results contribute to social psychological theory and provide empirical guidance for designing personality sensitive AI systems to enhance user adoption and sustained engagement.