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. Madan Patil has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 7, July 2026, pp. 91-96." Paper Title:- " FINANCIAL INCLUSION AND RURAL DEVELOPMENT IN THE DIGITAL ERA: BRIDGING THE DIVIDE " Chief Editor