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. Prof. Dr. Geeta Nair, Sagar Jethani has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 4, April 2026, pp. 112-120." Paper Title:- " CUSTOMER AWARENESS AND ADOPTION OF NEO BANKS IN THE FINTECH ECOSYSTEM: A STUDY AMONG YOUNG CONSUMERS " Chief Editor