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. M.Jeba Shanthi, Dr.K.Syed Rahmath Beema has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 6, Issue- 2, April 2019, pp. 15-24." Paper Title:- " A STUDY ON ADOPTION PATTERN OF ALTERANTIVE BANKING CHANNELS BY CUSTOMERS. " Chief Editor Managing Editor