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. G Poornima, Dr.Sudha B.S 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. 102-109." Paper Title:- " DIGITAL FINANCIAL SERVICES AND ITS IMPACT ON WOMEN'S FINANCIAL EMPOWERMENT " Chief Editor