Фонд ProTejer shook the decorations on the newly assembled Christmas trees, denouncing that 7 out of 10 garments come from China to the detriment of the national textile industry. Far from giving up, banks and fintechs have allied with clothing brands to take on Shein and Temu, facing the challenge with a promotional floor ranging from 25 to 30%. This 30% discount is also the maximum for men's clothing, thanks to promotions from BBVA with Kevingston, and from Naranja X or Banco de Santa Fe with Macowens, as determined by the Argentine News Agency. Above this floor appears a number that does move the needle: 40%, in women's clothing brands such as Kosiuko, Portsaid, Ver and Wanama, and children's brands like Cheeky, Broer, Mimo & Co, Carter’s and Grisino, as well as Montagne for sportswear, in all cases with Credicoop cards. In the face of the advertising bombardment from Asian platforms, a survey of native Christmas clothing promotions for women's, men's, sportswear, and children's, based on over 100 active benefits from banks and digital wallets, allows us to understand how the market is behaving and what real opportunities consumers have today. The analysis is contained in an app that compares promotions and discounts, available for free on iOS and Android, which presents it clearly and orderly. Thus, in 2025, far from a general disorder, the clothing market shows a clear structure. "Most of the promotions are located exactly in that range." The analysis leaves a clear feeling: brands no longer compete only with each other, but also for the attention of a consumer who plans like never before," he adds. One has to dive into the catalogs of Chinese platforms, risking dizziness, to be able to buy. For example, Shein came out to offer high-performance training shorts for AR$ 14,102, ribbed tank top AR$ 10,523, mid-rise jeans AR$ 31,994, pajama set with top AR$ 17,778, three pairs of shorts for AR$ 36,773, among thousands that make up the SheinHauliday. It is the market's lifeline, the minimum necessary to compete. The percentage has become the standard that the consumer expects to find, and businesses seem to have assumed it as such," explains Mauro Mossuz, CEO and co-founder of Clash. Financing plays another game, though equally important. The 3 installments without interest dominate the scene as the most frequent benefit in all categories. 6 installments are gaining ground in mid and high-ticket brands, and 12 installments appear only in specific cases. These are the examples of Wanama and La Martina with both VISA and Mastercard. However, there is a critical point that goes unnoticed in many commercial communications, but which the study highlights clearly: the reimbursement cap is the true heart of savings. "Two promotions can offer the same 30%, but if one returns 3,000 pesos and the other 15,000, we are talking about two completely different opportunities," he says. "The cap organizes, limits, and redefines the real benefit. This app calculates how much is necessary to spend to take full advantage of each refund, information that is often hidden or scattered in the fine print of the banks," he points out. Clear identities between categories The analysis also shows very clear identities between categories. "The women's category is the most competitive: it incorporates the highest promotions and the greatest number of payment methods. The children's category is the most aggressive, something expected in one of the sectors with the highest concentration of demand in December. The men's category maintains a stable strategy, with less dispersion and a greater focus on financing. The sportswear category is the most cautious: moderate percentages and a strong bet on installments," summarizes the expert. The consumer compares "The consumer, increasingly informed, is no longer guided by the shop window or the adjective 'unmissable': they compare banks, installments, caps, and combine promotions according to their profile. And in that process, platforms like Clash are beginning to function as market thermometers, centralizing information that was previously scattered across multiple channels," he assures. "Throughout December, Clash will continue to monitor and update clothing promotions and other key sectors," he indicates.
