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. Santosh Kumar, Dr.Sumita Sinku has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 8, Issue- 4, April 2022, pp. 54-64." Paper Title:- " A STUDY ON IMPACT AND ENACTMENT OF FINTECH IN INDIA. " Chief Editor Managing Editor