10.3 Cost Analysis & ROI

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Cost Components

Component	One-Time	Annual Recurring
SDK/API license	$0-50K (setup)	$100K-500K (volume-dependent)
Integration development	$50K-200K	$20K-50K (maintenance)
Infrastructure (GPU)	$0 (if cloud API)	$50K-200K (if self-hosted)
iBeta certification (if in-house)	$30K-80K	$15K-30K (re-certification)
Security testing	$20K-50K	$10K-30K
Compliance & legal	$10K-30K	$5K-15K
Total (Buy)	$80K-300K	$150K-600K
Total (Build)	$500K-2M	$300K-1M

ROI Model

Annual Fraud Prevention Savings:
  Digital onboarding attempts/year:     500,000
  Attempted fraud rate:                 0.5% (2,500 attacks)
  Average fraud loss per success:       $5,000

  Without liveness (80% attack success): 2,000 × $5,000 = $10,000,000
  With liveness (0.5% success):          12 × $5,000  = $60,000

  Annual fraud savings:                  $9,940,000

Operational Savings:
  Branch KYC cost/verification:          $30
  Digital KYC cost/verification:         $1.50
  Annual verifications:                  500,000
  Annual operational savings:            $14,250,000

Total Annual Benefit:                    $24,190,000
Total Annual Cost (Buy model):           $300,000
ROI:                                     80x
Payback Period:                          < 2 months

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