“…Several streams of research identify what might be driving these country-of-origin effects: A first stream has examined how informal institutions affect the formation of trust. The bulk of this work has considered how cultural traits of the trustor's home country affect trust (e.g., Choi et al, 1999;Doney et al, 1998;Fregidou-Malama & Hyder, 2015Huff & Kelley, 2005;Ketkar et al, 2012;Slater & Robson, 2012). For example, in a conceptual study, Doney et al (1998) proposed a process model that articulates how different dimensions of national culture (individualism/collectivism, masculinity/femininity, power distance, and uncertainty distance) can affect the trust development process through five cognitive processes (i.e., calculative, prediction, intentionality, capability, and transferences processes).…”