As baby boomers who have long represented the majority of revenue for financial institutions approach retirement and begin to spend less, TSYS announces the launch of a thought-leadership initiative to help payment providers prepare for this generational shift. TSYS forecasts that the millennial generation will begin to make up the largest share of profitable card accounts starting in 2022 — creating opportunities for long-term portfolio growth for card issuers. As part of this initiative, TSYS has developed a model which segments account holders into three classifications based on their card profitability for financial institutions: Future Profits, Peak Profits and Legacy Profits. The company outlines strategies to help its clients better understand how millennials will move through these three stages here: http://tsys.com/genshift2022/.