Within the private sector, digital banking began to precipitate the transition climate. There, a key meeting between Marcos Galperín, head of Mercado Libre and Mercado Pago and Sergio Palazzo, leader of the banking union, is expected in the next few hours.The Argentine Chamber of Fintech invited them to a lunch to file roughness and try out what could be an urgent approach, given the imminent changes they fear in the sector as of December 10 and within the framework of the renewed interest of the unionist to frame About 10,000 workers in the activity.The businessmen organized the appointment almost immediately after the triumph of Alberto Fernández in the elections last Sunday, in which he obtained 48% of the votes against 40% of Macri.Digital banking is concerned for two reasons:- Already in the campaign was in the eye of the storm when the opposition candidate pointed against "uberization" and digital platforms- After the elections, he faces the pressure of the strengthened union leader, who comes from obtaining two seats in Deputies and is one of the few trade unionists with good dialogue with both the president-elect and Cristina KirchnerIn view of the new political scenario, Galperín was one of the first high-profile entrepreneurs to join the transition. After being a table prosecutor at a Conurbano school and voting Together for Change, he greeted Fernández from his Twitter account as soon as the result of the polls was known.In addition, he held his meeting with Macri in a message in which he called for a "transition in peace and construction" and spoke for an Argentina that creates "opportunities for all."The owner of the main e-commerce platform in Latin America had already sent a first signal in August when visiting Alberto F.'s bunker on Mexico Street, in the San Telmo neighborhood, after his hit in the primary.The second one arrived 15 days ago, in the presidential debate that took place in Santa Fe, when the company launched an "anti-cracking" advertising spot with the voiceover of the actors Luis Brandoni (related to the ruling party) and Florencia Peña (supporter of Kirchnerism ) under the motto "let's build a future among all".The imminent lunch provided by the men of the fintech aims to be a new approach, at a time when the elected president seeks to promote a price and salary agreement with the governors, businessmen and trade unionists of the CGT, including the leader banking."Apparently, Galperín began to understand that his companies are going to have new rules of the game after the assumption of the next government," they told iProUP Thursday from Palazzo's surroundings and confirmed lunch that, on the other hand, was not denied. neither by the Fintech Chamber nor by Mercado Libre.Hot agendaOne of the highlights of the treat will be the guild framework, a theme that confronted the two guests in the previous STEP. After the result of the polls, the trade union consultants have everything prepared to begin the process of incorporating fintech employees into their agreement, including those of Mercado Pago, who are now affiliated with the Trade Union with the exception of management positions.The idea is to present it once the new government assumes and the next Labor Minister is appointed, a position that could be occupied by Claudio Moroni. As iProUP revealed, Palazzo commissioned at the beginning of October his claim to the legal study of Héctor Recalde, lawyer of the CGT and former deputy of the Front for Victory.In addition, he requested a report on fintech from a technical team composed of lawyer Hernán Letcher and economist Julia Estrada, from the Center for Political Economy (CEPA); the former director of the BCRA appointed by Kicillof and then displaced by the macro, Pedro Biscay; and the political scientist Eduardo Codianni, from the Center for Financial Integration Studies."Fintech workers are banking simply because they perform banking tasks," he told iProUP, although he said that those employees have to be separated from those who work in the ecommerce platform, which they can follow under the commercial agreement of Armando Cavalieri."We are not only going to go against Mercado Libre, now we are going through all the digital platforms that provide financial services. We will go for the activity, which has smaller and bigger players," Palazzo told iProUP.The crossings began in July, when the leader emphasized: "I want all Fintech workers to be framed as banking. If they are providing financial services, they must be within La Bancaria and our collective bargaining agreement."The leader confesses that he wanted to "be the (Hugo) Moyano of the financial system" and that his goal is to affiliate "not only with Fintech workers, but also with those who work in a supermarket or a service station but providing financial services , now that the Central Bank enabled these operations. "Galperín responded to the unionist on Twitter, but without naming him. The businessman had already referred to the Argentine labor scene, which he defined as "outdated" in relation to that of Brazil or Uruguay. And he even assured that he would open offices on eastern soil to avoid union barriers.Meanwhile, the Chamber defended itself by stating that none of its companies carry out banking activities in its multiple business models, nor can it be thought that by incorporating technology - as some banks are doing - they should be framed as a banking activity."This is an anachronistic request, which seeks to harm a nascent and innovative activity that is generating new opportunities for millions of people in our country," remarked from the fintech organization.Taxes, regulation and bidding with banksAlthough at one time the unionist contemplated the possibility of negotiating an agreement adapted to the financial platforms, the result of the PASO convinced him to advance in a more traditional scheme of "extrapolating" the banking agreement, respecting the base salary, the bonds, the duration of the workday, categories and career.With the last increase received by its sector (which closed the joint by 50%), the banks will begin to receive an initial salary of almost $ 60,000 at the end of the year, almost double the basic agreed by the trade union in August.The eventual regulation of the activity is another of the points that most worries the businessmen and that would be included in the lunch menu. Palazzo insisted on this point by participating in the world conference of the financial branch of the UNI Global union in Malaga, Spain."The emergence of new players, such as fintech, which do not face the costs of regulation or bank salaries, makes these companies incur an unfair practice in relation to banks," the Argentine trade unionist warned against 450 leaders of his activity from 66 countries.Local businessmen heard a similar approach weeks ago from the union leader himself during the IDEA colloquium in Mar del Plata. In a panel with the manager of Ledesma, Javier Goñi, and the president of Toyota, Daniel Herrero, raised the need to regulate digital platforms and that are achieved by the same obligations as traditional entities.In tune with a sector of bankers facing fintech, Palazzo aimed to "correct the asymmetry" since they pay 15% Income Tax while a worker suffers 35% withholdings.One of the unknowns in the activity is the policy of the Central Bank under an eventual management of Miguel Pesce. The presidency of Federico Sturzenegger and the current one of Guido Sandleris kept digital banking out of the scope of the Financial Entities Law.Since fintech do not use savings deposits to grant loans but use their own funds, they can fly below the radar of the monetary authority, by not making financial intermediation.But Palazzo argues that if they perform banking tasks, they must adhere to the same rules as traditional entities, including the regulations provided to prevent money laundering.Paradoxically, the last blow came from the Macri government, which on Wednesday surprised the sector with the formalization of an AFIP resolution that obliges digital payment companies to be agents of withholding of Value Added Tax (VAT) and Income since November 19.Prior to the elections, the body headed by Leandro Cuccioli had suspended the authorization of the regulations, but in the middle of the transition decided to move forward in the measure, which was quickly criticized by the new digital financiers.It only remains for the summit between the unionist and the businessman to see their faces. A negotiation of which both traditional and digital entities will be pending. And it depends on whether the great moment of fintech is maintained.