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. Kirubakaran Arumugam, Dr.N.Bharathi has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 13, Issue- 2, May 2026, pp. 51-67." Paper Title:- " DIGITAL TRUST, FINANCIAL LITERACY, AND FINTECH-ENABLED MICROFINANCE: UNPACKING BEHAVIORAL PATHWAYS TO DEEP FINANCIAL INCLUSION IN TAMIL NADU. " Chief Editor Managing Editor