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.V.Suresh Kumar, Dr. Suneetha Naisa has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 12, Issue- 4, October 2025, pp. 1-9." Paper Title:- " STATE BANK OF INDIA IN THE DIGITAL AGE: HOW SBI IS LEADING THE CHARGE IN DIGITAL TRANSFORMATION " Chief Editor Managing Editor