A rise in prices that has no end and the increase in tariffs have an increasingly stronger impact on the pockets of users. After a 2018 with an inflation of almost 50%, the highest figure in the last 27 years - and before the closeness of the elections -, this bleak scenario does not even show a faint light at the end of the tunnel.Just to name a few increases, in April the fuel will rise 2.8%; the gas, 35% on average -according to the last public hearing- and the subway ticket will go from $ 16.50 to $ 19, although the date of its entry into force has not yet been confirmed.In this context, wages continue to lose purchasing power and the fintech try to rescue a beaten middle class. In particular, of the unbanked. In the search for new solutions, dynamic and simple alternatives that bring the "loan houses" to the digital world appear.Although Argentina's Fintech Chamber still does not have consolidated data on the growth of this financing channel, industry sources told iProUP that only the top five fintech provide an average of 10,000 new credits per month each.In terms of their evolution, the amount of money they deliver grows at a rate of 10% per month, based on a demand in open expansion explained, to a large extent, by the increasing increase in the cost of living.The last one to joinWith the immediacy as a standard, these platforms moved credit alternatives to the digital world, in which only a couple of clicks on the cell phone are needed to make money instantly.Tarjeta Plata, an Argentine firm with 25 years in the market, detected the need for financing that many Argentines have. And analyzed that the rapid advance of technology was the gateway to transform that demand into an opportunity for growth, using innovation for this.Until recently, who required a credit had to physically go to a branch with his ID, a bill for services and the receipt of salary. The process lasted between 45 and 60 minutes and then had to wait no less than two days to receive the money.Today, a person can quickly get cash through the "Silver Ya" application, which uses Artificial Intelligence (AI) through facial recognition and data crossing to analyze the profile of the interested party."Plata YA is a quick service and responds in five minutes, it does not require the interested party to approach an office or to comply with cumbersome procedures," assures iProUP, Mario Meringolo, systems manager of Tarjeta Plata.This tool has a focus on the entire spectrum of users, with different proposals depending on the applicant's profile. According to Meringolo, "everyone can access a loan under the terms and conditions in which they can honor the payment of their obligations."During the first year of life, the application already had 30,000 downloads, accumulates 10,000 registered customers and exceeds 2,000 loans granted.Of course, to develop such a platform for its challenges. Among them, the credit risk analysis and a system that ensures that those who request money do so on their behalf and that they are not appropriating the identity of a third party.Other options of the loan marketIn Argentina, the local ecosystem has more and more actors that share the different segments of the market. For this reason, Tarjeta Plata is not the only one that allows you to get a quick credit from your cell phone.Wenance, another historic local fintech, launched a year ago Welp, its mobile app. Since then, it has granted close to 10,000 loans per month and recorded a growth of 35%."We are a company more 'tech' than 'end.' We create something that is easy, efficient and simple," assures iProUP Martín Invernizzi, chief commercial officer of Wenance.Using technology, money is delivered in just fifteen minutes. With only the DNI and specifying the amount required, the risk engine is responsible for checking the information available in the data agencies."We consult with the bureaus to know your credit profile, but we also evaluate if you were our client and you have a good score," explains Invernizzi. The goal is to improve the profile later, not only within the app, but also with the rest of the regulatory bodies.Wenance is the only fintech endorsed and validated to operate with electronic signature. "In a matter of minutes, the client already has his loan approved," adds Invernizzi.MONI is another alternative with "Argentine DNA". With more than 600,000 loans delivered to its clients in Argentina and Mexico, it was positioned as one of the most used options."Thanks to its impact in terms of financial inclusion, the company is positioned on the segment of customers sub-served by the traditional banking sector", they explain from the company.In addition, it recently launched a platform that enables the use of the debit card as a credit card. For this purpose, he devised an immediate accreditation service for funds that works at all times.This solution is, strictly speaking, a line of grant and accreditation loans on the spot, which allows holders of debit plastic who do not have balance to make purchases in shops, pay in installments and access discounts, promotions and benefits of the issuing bank."Today there is a significant unmet demand in the local financial services market in general and, especially, in the credit and consumer finance segment," explains Juan Pablo Bruzzo, CEO of MONI and president of the Fintech Argentina Chamber.The executive points out that nearly 70% of Argentines do not currently have a card and "they are not subject to credit according to conventional analysis parameters."Among them, they are "from clients of the traditional banking system who use their account only to receive their assets, withdraw them immediately and do not make payments or transfers from their account".At present, there are 45 million debit card holders in the country, but not all of them have a credit card."By being registered as a non-financial provider with the BCRA, MONI periodically informs the behavior of its portfolio, which allows its clients to build their history," says the executive of the firm that has already granted 800,000 pesos in the country.Afluenta calls itself the first Argentine fintech. Its scheme is financing among users: some ask for lower rates than traditional banks; and others lend it, obtaining a return greater than that offered by the conventional financial system."Today there are more loan applications than ever because the banks withdrew from the credit offer," says Alejandro Cosentino, founder of the platform."The borrower behaves similarly over time, the mortgage loan started, generated expectation, and now he retired, but the family that had been excited about the move and can not do it now arranges the bathroom, the kitchen: 30% of those who request financing use it to improve their home, "he explains.According to the executive, the three main groups of clients are: those who want to remodel the home, change the car and catch up with the card. Together, they account for about 65% of the money lent.Credicuotas online loan platform is also part of this new era of financial-digital ventures.With a sustained and exponential rebound since its launch in 2016, this fintech seeks to triple its customer base by 2019 (currently it is 100,000), by continuing to develop technological products that will allow it to originate loans to individuals on a larger scale.A member of the BIND Group, the firm increased its investment portfolio by a staggering 700% in just two years.Facundo Vázquez, director of Credicuotas and COO of the BIND Group, assures iProUP that the average duration of the application and granting of a loan in Credicuotas is four minutes and 20 seconds, which can be credited to the account of the recipient "in question. seconds, 24 hours, 365 days a year, "only with a scan of the DNI and a selfie.As a company linked to the BIND Group, the financial statements of Credicuotas are audited by Ernst & Young. They are also registered with the BCRA as a non-financial credit provider, which means that all the company's operations are registered with the National Securities Commission (CNV).In this way, the players say present and their different solutions position them as attractive and simple alternatives that promise to arrive a little more comfortable at the end of the month.