Shukur, M., Ismail, R. and Flaih, L. 2022. Empower E-wallets Payment System by using Secured Hybrid Approach of Online and Offline Services. Cihan University-Erbil Scientific Journal. 6, 2 (Aug. 2022), 23-27. DOI:https://doi.org/10.24086/cuesj.v6n2y2022.pp23-27.