Fiducia, Ascentia and Notitia.
The above items are present in all true believers. However, these components have as well, internal and external distinctions. That being, these components MUST be carried about, for the true believer, by the Holy Spirit. It is the gas that makes real what the scriptures show are in all the faithful. A man can have faith in earthly things; He can have ‘faith’ in faith. He can ascend to mathematical propositions and he can possess much knowledge of God and the scriptures and yet, still be unregenerate.
In other words, the converted man must have some information that is compiled within the archives of the gospel to be converted. This distinction is important as many people are possibly just regenerated and not yet converted, based on a simple confession; One might say, 'Scott, but are regenerated men, saved?'. Yes and no; they are no longer true enemies of God any longer, but they are in a process.
Many disagree with my definition of the ordo as I describe above; but when we think through the equation, and the problematic outcomes of the other rationale, it makes better sense to me.
Regeneration is monergistic; no work makes it effectual. It is of God only. Conversion, on the other hand, it a result of assenting to certain biblical facts. For example, the thief on the cross was most likely a schooled Jewish believer, circumcised on the 8th day and reared by his parents unto these biblical facts.
https://www.semperreformanda.com/2015/03/4398/