# Fintechs Prioritize Good Payers After Credit Morosity Rise

> Argentine fintechs shift focus to reliable borrowers as credit defaults climb.
- Title: Fintechs Prioritize Good Payers After Credit Morosity Rise
- Summary: Argentine fintechs shift focus to reliable borrowers as credit defaults climb. Argentine fintechs now prioritize borrowers with strong payment histories…
- Keywords: argentina, credit, fintech, morosidad, private credit, payment behavior, credit risk, financial stability, Perfil
- Source: Perfil — https://perfil.com/economia/tras-el-aumento-de-la-mora-las-fintech-priorizan-a-los-buenos-pagadores-a-la-hora-de-prestar-aMLQ49b1Me2B
- Published: 2026-11-09T23:20:46.528+00:00
- Read time: 1 min
- Topics: argentina, credit, fintech, morosidad, private credit, payment behavior, credit risk, financial stability, news
## Credit Expansion in Argentina
Private credit in Argentina doubled relative to GDP since 2023 government change but remains under regional average.
## Credit Risk Rising
Credit irregularity reached 7.75% for private sector in August 2026 with family debt at 12.81% and businesses at 3.80%.
## Fintechs Adjust Risk Models
Fintechs focus on identifying reliable borrowers while maintaining credit access amid rising defaults.
## Matías Friedberg's View
Fintechs learned to segment borrowers better rather than tightening credit access universally.
## Credit Default Trends
Household debt irregularity dropped to 12.20% in September 2026 from 19.28% a year earlier.
## Debt Resolution Efforts
Over half a million people refinanced debts through tailored repayment plans in 2026.
## Credit for Daily Needs
Some borrowers use credit to cover immediate expenses rather than major purchases due to income instability.
## Macroeconomic Stability Needed
Long-term credit growth requires macroeconomic stability to prevent short-term defaults.
## 2027 Credit Outlook
Fintechs plan to invest over US$2.2 billion in 2027 despite ongoing credit risk challenges.
## Key Challenges
Credit expansion needs better credit data, real-time scoring, and efficient collection systems to improve quality.
## Fintechs' Strategy
Fintechs prioritize borrowers with strong payment histories to maintain credit access while reducing defaults.
## Key takeaway

Argentine fintechs now prioritize borrowers with strong payment histories after a rise in credit defaults.