‘There's never a right time to start’: Why founders don’t need a master plan before starting a business

Ozan Ozerk, founder of Banking-as-a-Service fintech Open Payd, built his company by focusing on specific problems rather than elaborate strategies. After co-founding and selling a social network and working as an emergency room doctor, he entered fintech. Open Payd provides ready-to-use bank accounts and financial infrastructure.

Ozerk advises early-stage founders to address one or two related problems first, then grow as they gain insight. He warns against chasing news trends, suggesting founders focus on what they find interesting and can influence. Having a grand vision is not a prerequisite for success, he argues.

The article offers practical advice for those starting a business without a predefined roadmap.

Ozan Ozerk 是金融科技公司 Open Payd（一家提供银行即服务的公司）的创始人，他通过专注于具体问题而非复杂的战略来建立公司。在共同创立并出售一家社交网络，并担任急诊室医生之后，他进入了金融科技领域。Open Payd 提供即用型银行账户和金融基础设施。Ozerk 建议早期创业者先解决一两个相关问题，然后随着洞察力的增加逐步扩展。他警告不要追逐新闻趋势，建议创始人专注于他们感兴趣且能产生影响的领域。他主张，拥有远大愿景并不是成功的先决条件。这篇文章为那些没有预设路线图的创业者提供了实用建议。