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. J. Joshi, Dr. S. Nazeer Khan has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 13, Issue- 1, January 2026, pp. 122-130." Paper Title:- " DIGITAL FINANCIAL INCLUSION AND SOCIO-ECONOMIC TRANSFORMATION: A STUDY ON THE PENETRATION OF DIGITAL PAYMENT SYSTEMS IN RURAL SOUTHERN TAMILNADU. " Chief Editor Managing Editor