INTERNATIONAL JOURNAL OF BUSINESS AND ADMINISTRATION RESEARCH REVIEW (IJBARR) (www.ijbarr.com) Bangalore-560083, INDIA. Print ISSN: 2348-0653 Online ISSN: 2347-856X IMPACT FACTOR: 5.471 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. J.Deva Mani, Dr.Rebba Ambedkar, Prof G. Sudarsan Rao, Prof. M. Uma Devi has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 10, Issue- 1, March 2023, pp. 80-89." Paper Title:- " EMERGING TRENDS IN BANKING INDUSTRY. " Chief Editor Managing Editor