info:oai:digilib.uin-suka.ac.id:76404info:ofi/fmt:xml:xsd:dissertationDesi KurniawatiNIM.: 22108020102Desi Kurniawati, NIM.: 22108020102Skripsi4 March 2026PERAN CONSUMER VALUE CO – CREATION TERHADAP KEPERCAYAAN DAN REPUTASI DIGITAL BANKING SYARIAH PADA GEN Z DI INDONESIA: MODEL DART (DIALOGUE, ACCESS, RISK ASSESMENT, TRANSPARAN)UIN SUNAN KALIJAGA YOGYAKARTA174