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. Jigyasa Parashar, Dr. Alka Awasthi 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. 172-180." Paper Title:- " A STUDY ON EFFECT OF DIGITAL PAYMENT PRACTICES ON CONSUMER BEHAVIOUR WITH SPECIAL REFERENCE TO SELECTED CITIES OF MADHYA PRADESH " Chief Editor