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. B. Mathew Ravi has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 2, Issue- 12, December 2015, pp. 26-29." Paper Title:- " PAYMENT BANKS: A BANK IN YOUR PHONE - A SWOT ANALYSIS. " Chief Editor Managing Editor