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Zilch, the world’s first ad-subsidised payments network, has extended its collaboration with AWS to accelerate AI innovation. Using AWS AI and ML services, Zilch is able to transform its customer service and merchant partnerships. With its AI engine trained on years of data, Zilch can set personalized affordability limits and detect fraud more accurately. The company’s direct-to-consumer model has generated over half a billion customer data sets, making it well positioned to leverage AWS’s ML and AI services.