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 J.M.Viji has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 10, Issue- 2, June 2023, pp. 56-60." Paper Title:- " CUSTOMER''S UTILITY TOWARDS THE DIGITAL MODES OF SERVICES IN PUBLIC AND PRIVATE SECTOR BANKS IN KANYAKUMARI DISTRICT. " Chief Editor Managing Editor