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. N. Aswini Jaya Durga, Dr.SP. Mathiraj has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 13, Issue- 1, February 2026, pp. 121-130." Paper Title:- " A STUDY ON ENHANCEMENT OF USER EXPERIENCE AND SATISFACTION IN FINTECH SERVICES: EXPLORING FACTORS IMPACTING BENEFICIARIES IN CHENNAI CITY. " Chief Editor Managing Editor