INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH REVIEW (IJMDRR) (www.ijmdrr.com) Bangalore-560083, INDIA. Print ISSN: 2395-1877 Online ISSN: 2395-1885 Impact Factor: 7.352 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Dr. Subramanian Shanmugam Milan Yadav** has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 7, Issue- 12, December 2021, pp. 141-145." Paper Title:- " E-BANKING – AN ANALYTICAL STUDY WITH REFERENCE TO MOBILE BANKING " Chief Editor Managing Editor