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. Hajira Khanum, Sherril Tellis, Dr.Prathima.P.S has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 7, Issue- 12, December 2021, pp. 502-505." Paper Title:- " A STUDY ON PROBLEMS FACED BY PHONEPE USERS WITH SPECIAL REFERENCE TO BANGALORE. " Chief Editor Managing Editor