Dangaiso, Phillip ORCID: https://orcid.org/0000-0002-4495-0601, Manyangara, Masimba Elvis ORCID: https://orcid.org/0009-0004-8449-9714, Mukucha, Paul ORCID: https://orcid.org/0000-0002-6264-6574, Nyagadza, Brighton ORCID: https://orcid.org/0000-0001-7226-0635, Muchowe, Regis Misheal ORCID: https://orcid.org/0009-0004-1574-3744 and Towo, Tendai ORCID: https://orcid.org/0009-0006-5899-955X (2026) Re-configuring customer value co-creation in the internet banking dyad: examining service quality, digital efficacy, flow experience and E-satisfaction. Cogent Business & Management, 13 (1).