The middle class are people who earn R30 000 or more. An increasing number of the middle class are building their wealth through multiple income streams, entrepreneurship and digital platforms. Influencers have also entered the conversation, with 49% of the middle class now monetising social media platforms, up from 38% in 2025. The proportion earning meaningful income through digital channels has increased from 17% to 27% in just one year. “Increased access to credit is not necessarily a concern when it is supported by sustainable income and disciplined repayment behaviour,” said Peter.