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. Smitha Xavier P, Prof. (Dr.) Zakkariya.K.A has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 11, Issue- 9, September 2025, pp. 37-53." Paper Title:- " THE INFLUENCE OF PERCEIVED VALUE AND ENGAGEMENT ON CONTINUANCE INTENTION IN USERS OF MOBILE WALLETS. " Chief Editor Managing Editor