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 Babu V has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 12, Issue- 2, October 2025, pp. 73-78." Paper Title:- " TRANSFORMING INDIAN BANKING: A STUDY OF DIGITALIZATION, CUSTOMER EXPERIENCE AND OPERATIONAL EFFICIENCY. " Chief Editor Managing Editor