The Sparkasse employee who is always there for your customers.
Self-service in the branch, in the foyer, on the phone and in the online branch — completing cases end to end, in over 100 languages.
Live · KIM at the service point
Five bottlenecks every branch knows.
Language barriers
Non-German speakers cost time — or go unserved.
Recurring tasks
The same requests over and over tie up your staff.
Resources
Highly qualified people stuck in monotonous standard processes.
Skills shortage
People retire, successors are missing, opening hours shrink.
Opening hours
Service only during opening hours, more and more unstaffed branches.
Whoever comes to the Sparkasse no longer waits.
At every touchpoint, waiting turns into immediate help.
Without KIM she does not find it and picks up the phone.
With KIM she gets it right there on the page.
Without KIM a queue — and after hours, nobody.
With KIM somebody picks up, around the clock.
Without KIM he queues and waits for an adviser.
With KIM he is served immediately — in 20 languages.
Without KIM he stands in the foyer looking for someone.
With KIM he checks in and his contact is notified.
Four products. One system.
Recurring standard requests, language barriers and service outside opening hours
Kiosk in the branch · KIM to go via QR code · pre-stage at the FI video stele
To KIM Branch →A reception desk that either ties up staff permanently or sits unstaffed
Phone contact inside the building · visitor check-in · same kiosk
To KIM Reception →Calls with standard questions that tie up your service centre
Knowledge base: the complete online branch · handover to the service centre · four weeks free
To KIM Phone →Answers customers cannot find online and advisers piece together internally
Widget for the online branch (customers) and intranet (advisers) · four weeks free
To KIM Web →Our self-service avatar KIM is fundamentally changing customer service in our branches — exactly where the shortage of staff and multilingualism are the biggest challenges.
A classic chatbot answers. KIM delights.
KIM does not just hold conversations — it completes transactions without a staff member stepping in. That is the real shift in your branch's service character.
Answers questions.
- Answers FAQ-style questions
- Points to web pages or hotlines
- Hands open topics to staff
- Has no action layer
Delights in conversation.
- Runs processes end to end
- Guides customers safely to completion
- Hands over only when truly necessary
- Configurable for every institution
Transparent, per product.
Covers all three variants: kiosk, KIM to go via QR code and the pre-stage at the FI video advisory stele.
+ €0.005 per process executed
Optional: kiosk system €3,860 one-off
One contract, one login, one invoice for all three digital products.
+ €3,600 one-off setup
Trial: KIM Phone and KIM Web free for four weeks
To pass on inside your house.
Enter name and email and the link arrives by mail — the PDF opens in your browser. The documents are written in German.
Solution comparison
KIM against alternative avatar and self-service solutions: capabilities, touchpoints, language and data protection.
Product overview
The full introduction to the KIM family — customer journey, four products, pricing, references and rollout.
Technical overview
For IT and outsourcing management: architecture, operations, interfaces plus the processes and service topics included.
What your outsourcing management needs first.
ICT third-party service provider under DORA, classified as a simple ICT service: KIM does not support a critical or important function of your institution — which keeps your review effort small. Hosted in Germany, data in the EU, full data return contractually assured.
Data protection & contracts
DPA incl. annexes · technical and organisational measures · corporate policy · data categories and deletion periods
Banking supervision (DORA)
Supplementary agreement · questionnaire · 136UW checklist on Art. 25 · model contract and board template
Security & operations
Information security · availability · incident management · sub-processors · accessibility (BFSG)
Information register
Entries for RT.02, RT.05 and RT.07 — supplied in structured form, including user manual and audit FAQ
All documents are available in our Trust Center. As of 09/2026.
In production at 20+ Sparkassen.
The biggest challenge is not the technology.
It is adoption. Self-checkout has been around for over 20 years — and is still not everywhere. Set the target picture and metrics before the start and you judge KIM correctly.
Recommend actively
“For this request KIM can help you right away.”
Demonstrate
Show it briefly, start simple, confirm success.
Use it yourselves
Use KIM in advisory conversations and show the benefit live.
Place it properly
Entrance, walking route, self-service zone — around the clock.
Create attention
Roll-up, windows, flyers, social media, local press.
Make starting easy
QR codes on flyers and counters — and introduce KIM as a colleague.
Documentation: setting up Smart KIM
Your team maintains content, languages and processes in the configurator — explained step by step, from the bank details to checking the customer menu. Written in German.
Download: marketing kit
Banners, window graphics, roll-up, Instagram carousel and KIM to go with QR code — ready for print and digital.
What Sparkassen decision-makers ask first.
KIM Branch comes to €499 base licence plus €149 premium support per month and location, plus €0.005 per process executed — covering all three variants: the kiosk, KIM to go via QR code and the pre-stage at the FI video advisory stele. KIM Phone, KIM Web and KIM Reception come as one package from €400 per month, plus usage-based transaction costs and a one-off €3,600 setup. In the intro call we calculate the figures for your institution.
Two ways: directly from us — the fastest route — or shortly also via Finanz Informatik. In both cases we handle the technical setup and the rollout together with you. The contract runs for 12 months and renews for another 12 unless cancelled three months before expiry.
Around 130 service topics. Ten of them are processes KIM completes end to end — requesting a new PIN or pushTAN, unblocking a card — each handing over via QR code into your FI processes. On top come 20 easy-to-follow guides, for instance setting up the Sparkasse app, blocking a card and the TAN procedures, plus more than 100 further service topics such as limit changes, account authorisations, card loss or the IBAN finder. Complex advisory topics are handed to your adviser in a structured way.
KIM Phone and KIM Web can be tested free of charge for four weeks — neither needs hardware of its own and both are quick to connect. We deliberately do not offer the kiosk as a short trial: there, location, visibility and how the team introduces it decide the outcome, and that cannot be judged in four weeks. We plan that path together with you.
For your institution we are an ICT third-party service provider under DORA — classified as a simple ICT service: KIM does not support a critical or important function of your institution, which keeps the review effort on your side small. We supply the entries for your information register (RT.02/RT.05/RT.07) in structured form, and full return of your data is contractually assured. KIM is hosted in Germany and all data stays within the EU. Every piece of evidence is available in our Trust Center.
More than 100 languages are available. Twenty of them are preselected in text and speech — among them Turkish, Ukrainian, Arabic, Russian and Polish. Which languages come first in your branch is configured to match your customers.
You do — in the Smart KIM configurator, which you open through your Plural account. There you maintain bank details and avatars, decide which languages are offered, switch processes, service topics and guides on or off, and check target addresses via QR code. The saved customer menu shows you in advance exactly what your customers will see. The full procedure is documented at docs.smart-kim.humanizing.com (in German).
For the kiosk we recommend a ready-to-use system from our hardware partner: €3,860 one-off including delivery, plus €588 per year for the kiosk protection software. It arrives preconfigured — no assembly, no on-site installation. You provide a good, accessible location, preferably in the self-service zone, as well as power and WiFi. KIM to go, KIM Phone and KIM Web need no hardware at all, and KIM Reception runs on the same kiosk as KIM Branch.
We offer KIM. You decide where she starts.
In 30 minutes we work out which KIM product makes sense for you first — with a live demo at a reference Sparkasse.
