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.