Julien Migozzi: "Algorithms of Distinction: Class, Credit Scores, and Property in South Africa"

Recorded on March 18, 2026, this podcast features a lecture by Julien Migozzi, an economic geographer and Assistant Professor in Development Studies at the University of Cambridge. Dr Migozzi's lecture, "Algorithms of Distinction: Class, Credit Scores, and Property in South Africa," examined how 21st-century class dynamics become connected with data-driven stratification systems, focusing on the digital transformation of property markets.

This talk was part of a symposium series presented by the UC Berkeley Computational Research for Equity in the Legal System (CRELS) training program (https://crels.berkeley.edu), which trains doctoral students representing a variety of degree programs and expertise areas in the social sciences, computer science and statistics. The talk was co-sponsored by Social Science Matrix, the Berkeley Economy and Society Initiative (BESI) Tech Cluster, and the UC Berkeley Department of Sociology.

ABSTRACT

How do persistent inequalities and rapid technological change shape class formation? Centred on South Africa, the most unequal country in the world, this presentation examines how contemporary class dynamics become intertwined with racialised, data-driven mechanisms of social sorting. Integrating computational analysis with in-depth fieldwork across the suburbs and corporate boardrooms of Cape Town, I demonstrate how digital, legal, and financial transformations have reorganized the housing market around a data imperative. Once based on racial categories to exclude the majority from urban property under apartheid, the market is now structured around credit scoring to allocate mortgages and sort the "good" from the "bad" home-seeker, encoding racial inequalities in seemingly colour-blind market outcomes. Thinking class from the realm of digitized markets, I document and theorize how the making of the South African middle-class rests upon the production of a "mortgaged periphery", where middle-income households earn their middle-class stripes by scoring "high enough" to access debt-leveraged homeownership in gated estates. In this suburban, post-apartheid space, physical fences and algorithmic barriers regulate the production and access to housing wealth, materialising class boundaries through asset ownership, capital gains, property aesthetics, and debt relationships.

ABOUT THE SPEAKER

Julien Migozzi is an economic geographer and an Assistant Professor in Development Studies at the University of Cambridge, after appointments at Oxford University and the École Normale Supérieure. At the intersection of geography, urban studies and economic sociology, Julien's research investigates how digital technologies affect markets, cities, and inequalities, with a particular interest in housing and financial markets. At Cambridge, Julien is teaching a course on digital capitalism. He is a coauthor of the Atlas of Finance (Yale University Press, 2024).

A transcript of this talk is available at https://matrix.berkeley.edu/research-article/julien-migozzi.