The Sparkasse employee who never clocks out.
KIM 3.0 is the agentic self-service avatar for the branch — backed by Finanz Informatik and live at more than 25 Sparkassen. She bridges language barriers in over 100 languages, completes transactions end-to-end and takes the load off your team at the service point.
Live · KIM 3.0 at the service point
Three outcomes. Measurable per branch.
Staff relief at the service point
Routine requests — online banking, app installation, card issues, directions — KIM handles them end-to-end. Your staff focus on the advisory work only they can do.
Multilingual service without the language barrier
KIM answers in over 100 languages — Turkish, Ukrainian, Arabic and more. International customers are understood without anyone having to translate. Accessible in line with BFSG.
Available 24/7 — even after closing time
KIM isn't bound to opening hours. Customers can block a card after hours, set up online banking or find a branch — right at the self-service terminal.
Four situations from the branch.
KIM is not a Q&A chatbot. She walks customers through real banking processes — from welcome to the completed transaction. Secure steps are confirmed by the customer directly on their own device.
Setting up online banking — completed in one go.
A customer is standing in the branch with their access letter and is stuck. KIM shows the steps on screen, walks them through the setup and completes the process — without tying up an employee.
Card lost — instant blocking and follow-up steps.
No waiting for the hotline: KIM takes the request and initiates the block — she opens the secure confirmation step directly on the customer's smartphone, where the process is completed end-to-end. Including replacement card and mobile wallet.
International customers without translation loops.
Turkish, Ukrainian, Arabic — KIM switches seamlessly into the customer's language, runs the pre-consultation and hands over to the advisor in a structured way. Nobody on your team has to translate.
The customer has arrived — KIM reaches the right person.
For personal matters, nobody has to go searching: KIM documents that the customer has arrived in the entrance area and contacts the responsible person — for instance by calling the bank advisor. That creates a direct line, without waiting at reception.
KIM 3.0 is where your customers are.
KIM 3.0 on the stele
In your branch's self-service area: the stele makes KIM a visible point of contact — customers complete their requests on the spot, without a queue ticket and without counter staffing.
KIM to go via QR code
One scan and KIM is on the customer's smartphone. The QR code can be placed anywhere — shop windows, self-service terminals, posters and flyers, inside and outside the Sparkasse.
KIM on your Sparkasse website
Customers use KIM right at their own computer — completing requests end-to-end from home before they ever enter a branch. Relieves the hotline and the service point alike.
Integrated on the FI video advisory stele
KIM runs in combination with Finanz Informatik's video advisory stele: KIM covers self-service, and when it needs to get personal, human video advice is one tap away — on the same device.
Download: marketing kit
Banners, posters, QR templates and imagery for introducing KIM 3.0 at your Sparkasse — ready for print and digital.
PLACEHOLDER — download link will be addedA classic chatbot answers. KIM 3.0 gets it done.
The agentic version doesn't just hold conversations — it completes transactions without an employee stepping in. That is the real shift in your branch's service character.
Answers questions.
- Handles FAQ-style questions
- Points to websites or hotlines
- Hands open issues to employees
- Has no action layer
Completes the task.
- Runs processes end-to-end
- Guides customers securely to completion
- Hands over only when truly needed
- Individually configurable per institution
What KIM 3.0 brings to your Sparkasse.
100+ languages, accessible
Voice and touch operation, text-to-speech and speech-to-text, high-contrast display in line with BFSG — nobody is left out.
Agentic, not just conversational
KIM doesn't just answer questions — she runs transactions end-to-end, individually configured for each institution.
Simple procurement
Source directly from us — the fastest route — and soon also via Finanz Informatik. Either way, we handle setup and roll-out.
Proven bank-grade security
Hosted in Germany, data within the EU — DORA and GDPR requirements are built into architecture and workflows.
Fast roll-out via templates
Standardized interfaces to the FI ecosystem and templates from the first branch shorten every additional one to a few weeks.
Also as web & voice bot
KIM can technically be combined with a web chatbot and a voice bot — for your website and phone line. Up and running fast with Cosmo, the self-service path.
cosmo.humanizing.com ↗Our self-service avatar KIM is fundamentally changing customer service in our branches — exactly where staff shortages and multilingualism are the biggest challenges.
Four phases. Live in eight weeks max.
Intro call & demo
30 minutes with our banking key account manager, live demo at a reference Sparkasse — including a configuration proposal as your decision basis.
Configuration
Tailoring to your Sparkasse: processes, languages, content and interfaces — via our configuration portal for your institution.
Go-live
KIM 3.0 goes into production at your first branch — with staff training and KPI setup.
Roll-out to further branches
Templates from the first branch shorten every additional one to a few weeks.
What Sparkassen decision-makers ask first.
Sparkassen benefit from a preferential price: negotiated via Finanz Informatik, the base license including support is €649 per month and branch — all modules included, plus a consumption-based pricing model. In the intro call you'll receive a concrete calculation for your Sparkasse.
You can source KIM 3.0 in two ways: directly from us — the fastest route — or soon also via Finanz Informatik. In both cases, we at Humanizing handle the technical setup and roll-out together with you.
Setting up and unblocking online banking, installing the banking app, blocking and replacing cards, providing account information, finding branches, multilingual pre-qualification for advisory appointments, wayfinding in the branch. Complex advisory topics (loans, securities) are handed to an advisor in a structured way — including pre-qualification. Beyond that, KIM handles a wide range of additional end-to-end processes, all individually configurable via our portal for your institution.
Yes. KIM is hosted in Germany and meets the Sparkassen-Finanzgruppe's requirements for data protection and IT security. All data stays within the EU. All relevant requirements — DORA in particular — are accounted for.
KIM 3.0 is agentic. Earlier versions were primarily conversational — they could answer questions but not complete transactions on their own. 3.0 can trigger processes in downstream systems and process requests end-to-end. And thanks to state-of-the-art AI, conversations between customer and KIM feel far more natural and noticeably faster.
Yes, that's possible — but it isn't necessary. Relative to what your Sparkasse saves, the roll-out is so cost-efficient that you can start at full scale right away. With more than 25 Sparkassen in production, KIM 3.0 is proven — and we bring that experience with us.
Your Sparkasse knows the bottleneck. We know the avatar.
In 30 minutes we'll work out whether KIM 3.0 makes sense in your branches — with a live demo at a reference Sparkasse. Directly with Nina Gipperich, our key account manager for banking, no sales pitch.
