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. S.Parthipan, Dr. D. Kumaresan has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 11, Issue- 10, October 2025, pp. 51-57." Paper Title:- " CONSUMERS PREFERENCE TOWARDS MODES OF CASHLESS PAYMENTS WITH REFERENCE TO KRISHNAGIRI DISTRICT. " Chief Editor Managing Editor