Online ISSN: 2455-7188 IMPACT FACTOR: 0.7261 Thomson Reuters Researcher ID: J-5005-2016 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. M. Eswari, Dr. R. Kandavel has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 7, Issue- 3, April 2025, pp. 1-6." Paper Title:- " EVALUATING THE IMPACT OF DIGITAL PAYMENT IN RETAIL FINANCE " Chief Editor