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. Nayana. B.V, Ms. Susheela has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 4, Issue- 12, August 2020, pp. 312-320." Paper Title:- " A STUDY ON DIGITAL BANKING PROBLEMS FACED BY ELDERLY WITH SPECIAL REFERENCE TO BANGALORE " Chief Editor