This study explores how citizens' trust in technology and government influences their willingness to engage in e-government transactions. It proposes a model of e-government trust composed of disposition to trust, institution-based trust (IBT), characteristic-based trust (CBT), and perceived risk. Data from a survey of 214 citizens were analyzed using structural equation modeling. Results indicate that disposition to trust positively affects IBT and CBT, which in turn influence intentions to use e-government services. CBT also negatively affects perceived risk, which influences use intentions. The study discusses implications for practice and research. E-government adoption is influenced by citizens' trust in both the government and the Internet. Trust is essential when risk is present, and perceived risk is a key factor in users' intentions to engage with e-government services. The study identifies four fundamental constructs that impact intention to use e-government services: disposition to trust, institution-based trust, characteristic-based trust, and perceived risk. Institution-based trust is associated with perceptions of the institutional environment, such as the structures, regulations, and legislations that make an environment feel safe and trustworthy. Characteristic-based trust refers to beliefs in the integrity and veracity of the trustee. Disposition to trust is defined as one's general propensity to trust others. Perceived risk is the subjective expectation of suffering a loss in pursuit of a desired outcome. The study found that institution-based trust and characteristic-based trust positively influence intention to use e-government services. Disposition to trust positively influences both institution-based and characteristic-based trust. Characteristic-based trust reduces perceived risk. However, higher levels of perceived risk did not decrease intention to use e-government services, and institution-based trust did not affect risk perceptions. The study highlights the importance of citizens' trust in both the agency and the technology used to provide electronic services. Government agencies should emphasize their competence and ability to provide services via the Internet. They should also use trust-building mechanisms such as security and privacy seals, and promote their reputation through online testimonials. Future research should explore additional trust constructs unique to e-government adoption.This study explores how citizens' trust in technology and government influences their willingness to engage in e-government transactions. It proposes a model of e-government trust composed of disposition to trust, institution-based trust (IBT), characteristic-based trust (CBT), and perceived risk. Data from a survey of 214 citizens were analyzed using structural equation modeling. Results indicate that disposition to trust positively affects IBT and CBT, which in turn influence intentions to use e-government services. CBT also negatively affects perceived risk, which influences use intentions. The study discusses implications for practice and research. E-government adoption is influenced by citizens' trust in both the government and the Internet. Trust is essential when risk is present, and perceived risk is a key factor in users' intentions to engage with e-government services. The study identifies four fundamental constructs that impact intention to use e-government services: disposition to trust, institution-based trust, characteristic-based trust, and perceived risk. Institution-based trust is associated with perceptions of the institutional environment, such as the structures, regulations, and legislations that make an environment feel safe and trustworthy. Characteristic-based trust refers to beliefs in the integrity and veracity of the trustee. Disposition to trust is defined as one's general propensity to trust others. Perceived risk is the subjective expectation of suffering a loss in pursuit of a desired outcome. The study found that institution-based trust and characteristic-based trust positively influence intention to use e-government services. Disposition to trust positively influences both institution-based and characteristic-based trust. Characteristic-based trust reduces perceived risk. However, higher levels of perceived risk did not decrease intention to use e-government services, and institution-based trust did not affect risk perceptions. The study highlights the importance of citizens' trust in both the agency and the technology used to provide electronic services. Government agencies should emphasize their competence and ability to provide services via the Internet. They should also use trust-building mechanisms such as security and privacy seals, and promote their reputation through online testimonials. Future research should explore additional trust constructs unique to e-government adoption.