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. Gayathri K, Dr. T.V. Ambuli has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 9, September 2026, pp. 65-70." Paper Title:- " AI-DRIVEN FINTECH TRANSFORMATION: REIMAGINING PHYSICAL AND DIGITAL GOLD INVESTMENT DECISIONS IN INDIA " Chief Editor