Figure 3
The conceptual tree diagram shows a tree growing upward from a ground layer labeled “USER EXPERIENCE”. Below the ground line, the roots spread outward from a central trunk area labeled “BASIC FINANCIAL LITERACY”. On the left side, beneath the ground, is the label “FINANCIAL EDUCATION”, and on the right side, beneath the ground, is the label “CLEAR REGULATION”. Above the ground, the trunk splits into branches with circular nodes and fruit-like shapes. At the center of the upper canopy are circular nodes labeled “Efficiency” at the top and “Integration” on the left. On the left side, a box reads “BRANCHES OF SECURITY” with the text “Trust in anti-fraud protocols”. On the right side of the canopy are two fruit shapes labeled “Inclusion” and “Trust”. Aligned to the right is a box that reads “BRANCHES FOR INNOVATION” with the text “Interest in the digital euro and digital financial tools”. Near the trunk, two directional arrows indicate functional roles: a left-pointing arrow refers to the text “Enabling function for innovation”, and a right-pointing arrow refers to the text “Protective function against fraud”.The digital financial confidence tree. Source: Authors’ elaboration