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. Mrs.Gnana Soundari, Dr.K.Naina Mohammed 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. 10-17." Paper Title:- " FACTORS INFLUENCING THE TOWARDS E-BANKING SERVICES OFFERED BY PUBLIC AND PRIVATE SECTOR BANKS. " Chief Editor Managing Editor