The study develops a comprehensive scale of trust in the financial system, to account for its various dimensions. A multistage approach is adopted in the study for this purpose. After reviewing relevant literature and conducting focused group discussions, we collected data from investors through a questionnaire. Finally, we use principal component analysis (PCA) to perform exploratory factor analysis (EFA) in order to investigate the relevant items in each dimension with confirmation of reliability and validity. Our results suggest that 48 items, distributed across five sub constructs of trust, can be applied to assess trust in the financial system. Among the many sub constructs of trust, we ultimately conclude that structural assurance, competence, integrity, benevolence, and transparency are most applicable to financial trust. Because trust is an important consideration along with other barriers to financial inclusion, the study offers many insights for managers of financial institutions, regulatory authorities, and policy makers.

该研究制定了金融体系信任的综合量表，以解释其各个方面。为此，本研究采用了多阶段方法。在查阅相关文献并进行专题小组讨论后，我们通过问卷调查的方式收集了投资者的数据。最后，我们使用主成分分析（PCA）进行探索性因子分析（EFA），以调查每个维度的相关项目并确认信度和效度。我们的结果表明，分布在五个信任子结构中的 48 个项目可用于评估金融体系的信任。在信任的众多子结构中，我们最终得出的结论是，结构保证、能力、诚信、仁慈和透明度最适用于金融信任。由于信任与普惠金融的其他障碍一样都是一个重要的考虑因素，因此该研究为金融机构管理者、监管机构和政策制定者提供了许多见解。