This is not just a hearing of the gospel and is more than just admitting that the gospel story is true. It is to realize that Jesus Christ can be your Savior and for you to want that more than anything else. Now, for the first time, the sinner sees Christ as something to be desired and to grasp with his whole heart. The Bible adds one more concept to these three, and that is confession. Obviously there are no magic formulas for saving faith.
Confession is just that, a public display of what the heart secretly has believed.
If the belief is real, the confession will definitely follow. True saving faith takes place when a sinner has exercised fiducia . After having learned of Christ and become convinced that His claims are true, he is willing to give up anything and pay any price to have Him. This simple obedience is virtue. And the progression continues through agape love.