  Payment platforms have significantly evolved in recent years to keep pace
with the proliferation of online and cashless payments. These platforms are
increasingly aligned with online social networks, allowing users to interact
with each other and transfer small amounts of money in a Peer-to-Peer fashion.
This poses new challenges for analysing payment data, as traditional methods
are only user-centric or business-centric and neglect the network users build
during the interaction. This paper proposes a first methodology for measuring
user value in modern payment platforms. We combine quantitative user-centric
metrics with an analysis of the graph created by users' activities and its
topological features inspired by the evolution of opinions in social networks.
We showcase our approach using a dataset from a large operational payment
platform and show how it can support business decisions and marketing campaign
design, e.g., by targeting specific users.
