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.Varsha, M.Thulasiram has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 1, Issue- 4, May 2016, pp. 133-141." Paper Title:- " ACCEPTANCE OF E-WALLET SERVICES: A STUDY OF CONSUMER BEHAVIOR " Chief Editor