PERAN CONSUMER VALUE CO – CREATION TERHADAP KEPERCAYAAN DAN REPUTASI DIGITAL BANKING SYARIAH PADA GEN Z DI INDONESIA: MODEL DART (DIALOGUE, ACCESS, RISK ASSESMENT, TRANSPARAN)NIM.: 22108020102Desi KurniawatiauthorThis 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.332.1 Banks/Bank, Perbankan2026-03-04UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis