Empower E-wallet Payment System Using Secured Hybrid Approach of Online and Offline Services

As e-commerce expands, payment mechanisms are migrated to mobile devices, creating e-wallets. Current e-wallet payment solutions
are based on smartphones with internet access. E-wallets are becoming increasingly popular among individuals worldwide. Despite this, a survey conducted to determine the primary factors influencing Iraqis’ adoption of electronic wallets reveals a slower growth rate in Iraq than in other regions. This paper proposes a design for a mobile e-wallet application that offers online-to-offline (O2O) payments to replace traditional e-wallets, credit cards, debit cards, and cash using offline connectivity and near-field communication (NFC) with SMS-based payment mechanisms that do not require an internet connection.