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Co-creation is a baseline for innovation strategies to increase market share and competitive advantage in the Islamic Banking industry. The purpose of this study is to examine the role of the DART (dialogue, access, risk and transparency) model as a determinant of co-creation activities in Islamic banking. It is the first empirical investigation that tests the DART model in this way. Using Partial Least Squares Structural Equation Modeling, this study analyzes the responses of 192 Islamic bankdoi:10.35741/issn.0258-27184.108.40.206 fatcat:wdzwwz5emrbhhac4hu5m4qcvyi