http://digilib.uin-suka.ac.id/id/eprint/76404 2026-05-07T01:51:56Z info:eu-repo/semantics/descriptiveMetadata https://digilib.uin-suka.ac.id/id/eprint/76404/ PERAN CONSUMER VALUE CO – CREATION TERHADAP KEPERCAYAAN DAN REPUTASI DIGITAL BANKING SYARIAH PADA GEN Z DI INDONESIA: MODEL DART (DIALOGUE, ACCESS, RISK ASSESMENT, TRANSPARAN) Desi Kurniawati, NIM.: 22108020102 332.1 Banks/Bank, Perbankan 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. 2026-03-04 Thesis NonPeerReviewed text id https://digilib.uin-suka.ac.id/id/eprint/76404/1/22108020102_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf text id https://digilib.uin-suka.ac.id/id/eprint/76404/2/22108020102_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf Desi Kurniawati, NIM.: 22108020102 (2026) PERAN CONSUMER VALUE CO – CREATION TERHADAP KEPERCAYAAN DAN REPUTASI DIGITAL BANKING SYARIAH PADA GEN Z DI INDONESIA: MODEL DART (DIALOGUE, ACCESS, RISK ASSESMENT, TRANSPARAN). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA. info:eu-repo/semantics/objectFile info:eu-repo/semantics/objectFile info:eu-repo/semantics/humanStartPage