@phdthesis{digilib76404,
           month = {March},
           title = {PERAN CONSUMER VALUE CO ? CREATION TERHADAP KEPERCAYAAN DAN REPUTASI DIGITAL BANKING SYARIAH PADA GEN Z DI INDONESIA: MODEL DART (DIALOGUE, ACCESS, RISK ASSESMENT, TRANSPARAN)},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 22108020102 Desi Kurniawati},
            year = {2026},
            note = {Alex Fahrur Riza, S.E., M.Sc},
        keywords = {DART Model; value co-creation; trust; digital Islamic banking; Gen Z},
             url = {https://digilib.uin-suka.ac.id/id/eprint/76404/},
        abstract = {This study aims to analyze the influence of DART dimensions on Value Co-Creation and its impact on Trust and Reputation among Gen Z mobile banking customers. This quantitative research involved 209 respondents, with data analyzed using SEM-PLS. The results show that Dialogue, Access, and Risk Assessment have a significant positive effect on Value Co-Creation. However, Transparency has no significant influence as it is perceived as a minimum operational standard by Gen Z. Furthermore, Value Co-Creation provenly strengthens Trust and Reputation. Implicatively, Islamic banking needs to transform one-way communication into functional collaborative interaction to bolster loyalty and institutional image today.}
}