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. B R Divya Shree, Dr.Nagarathinam.R B has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 7, Issue- 7, September 2025, pp. 1-10." Paper Title:- " A STUDY ON THE USE OF BLOCKCHAIN TECHNOLOGY IN VIRTUAL WALLETS AND HOW IT AFFECTS CONSUMER BEHAVIOUR " Chief Editor