Robo-financial advisors (RFAs) represent an emerging solution for retail investors, particularly for young retail investors (YRIs) who lack financial knowledge and search for reasonable-price financial advice. Yet, a limited number of studies has investigated how YRIs build trust toward RFAs and related acceptance matters. There is another neglected area, which is whether RFAs model succeeds in marketing services in a similar way universally, or should the cultural dimensions be taken into consideration. To address this, the current study borrows initial trust perspective from the management discipline and utilize it to alter a theory from information system discipline, i.e. the unified theory of acceptance and use of technology. This combination produces a conceptual model. Thereafter, the study tests this framework in two different cultures, i.e. Malaysia and Sweden. The results indicated that, in Malaysia and Sweden, trust propensity, performance expectancy, and hedonic motivation address the initial trust in RFAs, which in turn drives behavioural intention to use this technology.