INTERNATIONAL JOURNAL OF BUSINESS AND ADMINISTRATION RESEARCH REVIEW (IJBARR) (www.ijbarr.com) Bangalore-560083, INDIA. Print ISSN: 2348-0653 Online ISSN: 2347-856X CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Mrs Aneesath.M has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 3, Issue- 20, October 2017, pp. 41-44." Paper Title:- " MOBILE BANKING SERVICES AND ITS EFFECTIVENESS AMONG CUSTOMERS OF STATE BANK SPECIAL REFFERENCE TO POOKKOTTUR PANCHAYATH IN MALAPPURAM DISTRICT OF KERALA STATE. " Chief Editor Managing Editor