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 (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.

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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.

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