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. Dr.V.Kalaivani, S.Gopi, K.Prabu has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 1, January 2026, pp. 18-23." Paper Title:- " THE FUTURE OF HR IN BANKING - TRENDS AND OPPORTUNITIES " Chief Editor