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. Gladis Jeromi.A, Dr.M.Ketharaj, Dr.Ganesan.M 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. 103-109." Paper Title:- " EMPOWERED WALLETS: FINANCIAL LITERACY AND SAVINGS BEHAVIOUR OF WOMEN EMPLOYEES. " Chief Editor Managing Editor