Online ISSN: 2455-7188 IMPACT FACTOR: 0.7261 Thomson Reuters Researcher ID: J-5005-2016 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. T.Abirami has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 2, Issue- 3, April 2017, pp. 62-66." Paper Title:- " RESPONSE TOWARDS CASHLESS ECONOMY: A STUDY IN KUMBAKONAM RETAIL MARKET " Chief Editor