As large language models (LLMs) and LLM-based agents increasingly interact with humans in decision-making contexts, understanding the trust dynamics between humans and AI agents becomes a central concern. While considerable literature studies how humans trust AI agents, it is much less understood how LLM-based agents develop effective trust in humans. LLM-based agents likely rely on some sort of implicit effective trust in trust-related contexts (e.g., evaluating individual loan applications) to assist and affect decision making. Using established behavioral theories, we develop an approach that studies whether LLMs trust depends on the three major trustworthiness dimensions: competence, benevolence and integrity of the human subject. We also study how demographic variables affect effective trust. Across 43,200 simulated experiments, for five popular language models, across five different scenarios we find that LLM trust development shows an overall similarity to human trust development. We find that in most, but not all cases, LLM trust is strongly predicted by trustworthiness, and in some cases also biased by age, religion and gender, especially in financial scenarios. This is particularly true for scenarios common in the literature and for newer models. While the overall patterns align with human-like mechanisms of effective trust formation, different models exhibit variation in how they estimate trust; in some cases, trustworthiness and demographic factors are weak predictors of effective trust. These findings call for a better understanding of AI-to-human trust dynamics and monitoring of biases and trust development patterns to prevent unintended and potentially harmful outcomes in trust-sensitive applications of AI.

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