What Does an Interactive Avatar Cost? Price & ROI

An interactive avatar in the project model starts at a base licence from €500/month per location, plus a one-time setup effort per location and individually priced modules. If you want to start without a project, you begin with the self-service product Cosmo from €40/month (free for 14 days). For savings banks, the base licence of KIM 3.0 is from €649/month per location — a rate negotiated with Finanz Informatik.
Whether that investment pays off depends less on the list price than on the levers behind it: shorter waiting times, relief for reception and staff, 24/7 availability, multilingual service without extra translation and staffing costs, and reusable templates that make every follow-up location cheaper. This guide explains what the costs are made of and how to gauge the ROI for your own case.
What does an interactive avatar cost?
In the project model, an interactive avatar starts at a base licence from €500/month per location. On top of that come a one-time setup effort per location and modules that are priced individually as needed. For the self-service entry point, Cosmo is available from €40/month and can be tried free for 14 days.
So there is not one single price but a range — from the self-configured Cosmo to an individually built project solution across multiple locations. Which range fits depends on the number of locations, the modules you want and the depth of integration.
- Project model: base licence from €500/month per location
- Savings banks (KIM 3.0): base licence from €649/month per location, FI-negotiated
- Self-service Cosmo: from €40/month, free for 14 days
- One-time setup effort per location
- Modules priced individually
What are the costs made of?
The cost of an avatar in the project model consists of three building blocks: the ongoing base licence per location, a one-time setup effort per location and the individually priced modules. That way you only pay for the features you actually need.
The base licence covers running one location. The one-time setup effort applies when each location is set up. Modules — for example additional features or integrations — are priced separately depending on scope. With Cosmo this split does not apply: here you pay a simple self-service rate from €40/month.
- Base licence — ongoing operation per location
- Setup — one-time onboarding effort per location
- Modules — priced individually by scope
Project model or self-service — which is cheaper?
The cheaper entry is always self-service: Cosmo starts from €40/month, can be tried free for 14 days and needs no onboarding project. The project model with a base licence from €500/month per location pays off once you need individual modules, multiple locations or deeper configuration.
The decision is less a question of price than of needs. Anyone who wants to bring an avatar live quickly and independently starts with Cosmo. Anyone who needs a tailored solution with guidance and modules is in the right place with the project model — and can move there from Cosmo at any time.
- Self-service (Cosmo): lowest entry, self-configured, 14 days free
- Project model: individual modules, multiple locations, personal guidance
- Upgrade from Cosmo to the project model possible at any time
How does an avatar's ROI add up?
An interactive avatar's ROI comes less from a single metric than from several levers at once: it shortens waiting times and so captures revenue that would otherwise be lost, it relieves reception and staff, it is available around the clock and it answers enquiries in multiple languages — without extra translation or staffing costs.
Set the ongoing licence and the one-time setup effort against these levers: every avoided wait, every question answered without additional staff and every foreign language covered contributes to the return. How large the effect is depends on your location and your processes — the levers below show where it comes from.
- Shorter waiting times — fewer drop-offs, more realised revenue
- Relief for reception and staff — people freed for higher-value work
- 24/7 availability — enquiries handled outside opening hours too
- Multilingual service — saves translation and staffing effort
How do templates lower the cost per location?
Once a first location is in place, its configuration can be reused as a template for the next ones. That noticeably shortens the setup effort for follow-up locations, because each avatar does not have to be built from scratch.
For you that means: the more locations you roll out, the better the one-time onboarding effort is spread. The base licence still applies per location, but introducing each additional location becomes more efficient thanks to templates — an important factor for ROI in branch or multi-location structures.
- First location provides the reusable template
- Follow-up locations start faster and with lower setup effort
- Benefit scales with the number of locations
How do I calculate the ROI for my location?
Start with the costs: the ongoing base licence from €500/month per location (or from €649/month for KIM 3.0 at savings banks, or from €40/month for Cosmo), the one-time setup effort and the modules you choose. That sum is your investment side.
Set against it the levers that apply in your operation: additional revenue from shorter waiting times, saved staff hours at reception, the value of 24/7 availability and the avoided effort for foreign languages. For a solid calculation with your actual modules and location count, we are happy to prepare an individual quote.
Frequently asked questions
In the project model an interactive avatar starts at a base licence from €500/month per location, plus a one-time setup effort per location and individually priced modules. The self-service Cosmo is available from €40/month and can be tried free for 14 days.
For savings banks the base licence of KIM 3.0 is from €649/month per location. It is a rate negotiated with Finanz Informatik.
Yes. Cosmo is the self-service entry point from €40/month and can be tried free for 14 days. You set it up yourself and can move to the project model at any time later.
Three building blocks: the ongoing base licence per location, a one-time setup effort per location and individually priced modules. With Cosmo you instead pay a simple self-service rate from €40/month.
Through several levers: shorter waiting times secure revenue, the avatar relieves reception and staff, it is available 24/7 and answers enquiries in multiple languages — without extra translation or staffing costs. Templates also lower the effort for follow-up locations.
The setup effort drops for follow-up locations, because the configuration of the first location serves as a reusable template. The base licence still applies per location, but introducing each additional location becomes more efficient.
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