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. Dr. B. Ramani Mabel, Dr. S. C. Sivasundaram Anushan 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. 283-286." Paper Title:- " AI-DRIVEN TRANSFORMATION AND THE REIMAGINING OF SUSTAINABLE BUSINESS MODELS: EVIDENCE AND INSIGHTS FROM INDIA'S FINANCIAL SERVICES ECOSYSTEM " Chief Editor