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. Ms.Vinutha T L, Ms.Shobha Devi SP, Dr. Mohamad Arif Pasha has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 4, Issue- 11, July 2020, pp. 123-132." Paper Title:- " A STUDY ON IMPACT OF DIGITAL BANKING ON EMPLOYEES AND CUSTOMERS IN CANARA BANK (E-SYNDICATE BANK), AT KOLAR " Chief Editor