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. Dr.Ruchi Jain has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 9, Issue- 4, December 2022, pp. 94-101." Paper Title:- " SPURT IN DIGITAL FINANCIAL SERVICES - COVID - 19 DID WHAT DEMONETISATION COULDN?T. " Chief Editor Managing Editor