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. R. Yogalakshmi, P. Lakshmi Priya, P. Yogitha, R. Harini, R. Chaaruvikram has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 3, March 2026, pp. 62-68." Paper Title:- " A STUDY ON THE FINANCIAL BEHAVIOURAL IMPLICATIONS OF SUBSCRIPTION - BASED BUSINESS MODELS ON MONTHLY SPENDING PATTERNS " Chief Editor