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. J. Jayashree, Dr. P. Sugunalakshmi has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 12, Issue- 1, February 2025, pp. 1-9." Paper Title:- " TRENDS AND PROSPECTS OF DIGITAL PAYMENTS IN INDIA " Chief Editor Managing Editor