This article proposes and validates a financial protection perception scale (FPPS) from the perspective of the financial services consumer. The scale was applied to a sample of 1137 individuals residing in Brazil and validated using exploratory and confirmatory factor analysis and standard multivariate validation methods. The FPPS, composed of 14 items, allows the development of an indicator that defines the level of protection perceived by the consumer of financial services, evaluated along the dimensions of transparency, suitability, security, and complaints. The tests and fit indices indicated the reliability and validity of the FPPS. With this scale, researchers, managers, and policymakers can assess the extent to which consumers feel protected when using financial services.

中文翻译：

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财务保护感知量表的提出与验证

本文从金融服务消费者的角度提出并验证了金融保护感知量表 (FPPS)。该量表适用于居住在巴西的 1137 人样本，并使用探索性和验证性因素分析以及标准多变量验证方法进行验证。FPPS 由 14 个项目组成，允许开发一个指标来定义金融服务消费者所感知的保护水平，并根据透明度、适用性、安全性和投诉等维度进行评估。测试和拟合指数表明了 FPPS 的可靠性和有效性。有了这个量表，研究人员、管理人员和政策制定者就可以评估消费者在使用金融服务时感到受到保护的程度。