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. Naveen S, Pravin Krishna J, Naresh Raj, Dr. B. Jayanthi 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. 100-104." Paper Title:- " THE DISRUPTIVE POWER OF ARTIFICIAL INTELLIGENCE IN MARKETING, FINANCE AND FINTECH SECTORS " Chief Editor