The ProTejer foundation sounded the alarm, denouncing that 7 out of 10 garments come from China, harming the national textile industry. Far from backing down, banks and fintech companies have allied with clothing brands to compete with Shein and Temu, offering promotional discounts ranging from 25% to 30%. This 30% discount also represents 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 reported by the Argentine News Agency. Above this baseline, a more significant discount emerges: 40%, offered by women's clothing brands like Kosiuko, Portsaid, Ver, and Wanama, and children's brands such as Cheeky, Broer, Mimo & Co, Carter’s, and Grisino, as well as Montagne for sportswear, all accessible with Credicoop cards. In response to the advertising blitz from Asian platforms, a survey of native Christmas promotions in women's, men's, sportswear, and children's categories—based on over 100 active offers from banks and digital wallets—reveals how the market is performing and the real opportunities available to consumers. This analysis is presented in a free app for iOS and Android that clearly organizes and sorts these promotions. In 2025, the clothing market shows a clear structure, moving away from the general chaos of previous years. "Most promotions are concentrated within that 25-30% range." The analysis makes one thing clear: brands are no longer just competing with each other, but for the attention of a more strategic consumer. To effectively compete, one must navigate the vast catalogs of Chinese platforms, a dizzying task. For instance, Shein is offering high-performance training shorts for AR$ 14,102, a ribbed tank top for AR$ 10,523, mid-rise jeans for AR$ 31,994, a pajama set for AR$ 17,778, and three pairs of shorts for AR$ 36,773, among thousands of other items in its 'SheinHauliday' sale. This 25-30% discount range is the market's lifeline—the minimum necessary to stay competitive. This percentage has become the standard consumers expect, and retailers seem to have accepted it as such, explains Mauro Mossuz, CEO and co-founder of Clash. Financing plays another crucial role. The '3 installments without interest' model is the most common benefit across all categories. '6 installments' is gaining traction for mid-to-high-end brands, while '12 installments' appears only in specific cases, as seen with Wanama and La Martina, which offer this option with both VISA and Mastercard. However, a critical, often overlooked aspect highlighted by the study is the reimbursement cap, which is the true core of savings. "Two promotions might both offer 30%, but if one refunds 3,000 pesos and the other 15,000, they are entirely different opportunities," he states. "The cap organizes, limits, and redefines the actual benefit. This app calculates the minimum spend required to maximize each refund, information that is often hidden or buried in the fine print of banks," he points out. The analysis also reveals distinct characteristics for each category. "The women's category is the most competitive, featuring the highest discounts and the most payment options. The children's category is the most aggressive, which is expected given the high demand in December. The men's category maintains a stable strategy with less variation and a focus on financing. The sportswear category is the most cautious, with moderate discounts and a strong emphasis on installment plans," summarizes the expert. "Today's consumer, better informed than ever, no longer relies on window displays or the word 'unmissable.' They compare banks, installment plans, caps, and mix promotions to fit their profile. In this process, platforms like Clash are becoming market thermometers, centralizing information that was once scattered across many channels," he assures. "Clash will continue to monitor and update promotions for clothing and other key sectors throughout December," he adds.
