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. Abirami A, Aarthi Nivetha S V, Dr. P.S. Venkateswaran has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 10, October 2026, pp. 214-222." Paper Title:- " AI APPLICATIONS IN FINANCE, BANKING AND FINTECH " Chief Editor