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. Sarika Yuvaraj Chavan has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 5, May 2026, pp. 315-325." Paper Title:- " FACTORS INFLUENCING THE SHIFT FROM TRADITIONAL BANKING TO MOBILE BANKING: AN EMPIRICAL STUDY " Chief Editor