Guide

What Does an Interactive Avatar Cost? Price & ROI

Cost and ROI of interactive avatars

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.

from €500/month per location
Base licence
from €649/month per location
KIM 3.0 (savings banks)
from €40/month
Self-service Cosmo
free for 14 days
Try Cosmo
one-time per location
Setup
individually priced
Modules

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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