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.Abdulgani, Dr.S. Subramanian 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. 78-84." Paper Title:- " ARTIFICIAL INTELLIGENCE AND RETAIL INVESTORS SUSTAINABLE INVESTMENT DECISION-MAKING A CONCEPTUAL FRAMEWORK " Chief Editor