{"id":18716,"date":"2022-04-16T18:10:34","date_gmt":"2022-04-16T18:10:34","guid":{"rendered":"https:\/\/www.africa-press.net\/ghana\/uncategorized\/julian-owusus-journey-from-football-to-fintech"},"modified":"2022-04-16T18:33:54","modified_gmt":"2022-04-16T18:33:54","slug":"julian-owusus-journey-from-football-to-fintech","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/ghana\/all-news\/julian-owusus-journey-from-football-to-fintech","title":{"rendered":"Julian Owusu\u2019s journey from football to fintech"},"content":{"rendered":"<p><span style=\"color: #ff6600\"><strong>Africa-Press &#8211; Ghana. <\/strong><\/span>At 14, UK-born Ghanaian Julian Owusu discovered a talent that would earn him money: playing football.<\/p>\n<p>It\u2019s a dream many young boys have, to gain global recognition and wealth doing something they enjoy, a sport watched by over 1.1 billion people across the world. While football might not be one of the top 20 paying professions in the world, it is the fifth-highest paid sports profession, with pro players getting an average of $3.6 million yearly.<\/p>\n<p>Even though football held a promising future for Julian, it was only one of his dreams. \u201cI grew up playing football,\u201d he says, \u201cBut I\u2019ve always been interested in tech, even long before I started playing professionally.\u201d<\/p>\n<p>At the beginning of his football career, Julian knew he wanted to tell a different story with his journey. \u201cMost of the other footballers I know have the same story, whether they were rich or poor. They don\u2019t know what else to do when they\u2019re not practising or playing. They don\u2019t know where or if they belong outside the field. I wanted to be different.\u201d<\/p>\n<p>He started his professional journey at 16 when he joined Eleven Wise\u2014a Division One football league club based in Ghana\u2014as a striker. Julian had joined the club on the recommendation of his agent who thought he would benefit from the club\u2019s rigorous training. \u201cIt was actually my first solo trip to Ghana,\u201d he says. \u201cMy folks had brought me over every year, but coming down to join Eleven Wise was the first time I\u2019d be in Ghana on my own. And I think that trip is really what helped me build my entrepreneurial spirit.\u201d<\/p>\n<p>He had to forget his UK background and immerse himself in Ghana\u2019s culture. \u201cI had to understand local cultures and become like my teammates. I had to understand what the fans wanted, and what my coaches wanted. So I learned a lot of lessons very quickly about becoming a professional and just having a professional mindset.\u201d<\/p>\n<p>Upon completion of his one-year contract with Eleven Wise, Julian moved to Berekum Chelsea, a premier league club out of Ghana, in 2010 where he helped the team score several goals including the 2010\u20132011 Ghana Premier League cup\u2014the youngest team ever to win the cup\u2014the MTN FA Cup, and the 2011 Ghana\u2019s President\u2019s Cup.<\/p>\n<p>From Berekum Chelsea, he glided through other clubs, from Hayes and Yeading United, to Burnham, right until 2014 when he decided to retire.<\/p>\n<p>When football players on defining paths, such as Julian, retire, it\u2019s often because of injury. Like in most contact sports, football players are exposed to more than their fair share of harm including muscle sprains and toe fractures.<\/p>\n<p>Julian\u2019s retirement, however, had nothing to do with injury, age, or scandal. He simply wanted to be more.<\/p>\n<p>\u201cI was on holiday one year, writing and thinking through what I wanted to become,\u201d he recalls. \u201cI wondered what I wanted to be when I was in my 30s, 40s, 50s or 60s, and I realised that football wasn\u2019t the only thing I wanted to do.\u201d<\/p>\n<p>He needed to build knowledge in an industry that could set him up for success, and so he decided to return to school, a transition he didn\u2019t find so difficult, he says. \u201cIt was difficult at the beginning, but all the skills I\u2019d learnt playing football were transferrable. I knew how to work hard. The only reason it was difficult at the start wasn\u2019t because I was studying. It was more because I wasn\u2019t training or going to play a match.\u201d<\/p>\n<p>In 2015, enrolled at the London School of Business and Management, Julian got introduced to digital product management by executing the website for the New Student Union. But he didn\u2019t fall in love with the field until 2 years later when he landed a product management role at Landon and Fitch, a London-based advertising firm. \u201cIn my first role, I was only managing the teams and scope, and I wanted more. At Landon and Fitch, though, I got hands-on experience with building and ideating, and that\u2019s where everything clicked into place and I knew it was what I would continue doing. There\u2019s something beautiful about the process of taking something from an idea, bringing it to life and seeing real people use it.\u201d<\/p>\n<p>From his product management role at Landor &amp; Fitch in 2018, Julian went on to manage other products at Culturetool and Spark44, right until he decided to build a product of his own: Zuberi Pay.<\/p>\n<p>The idea for Zuberi came to Julian as he drove through the streets of London. \u201cI wasn\u2019t even thinking of building a fintech. I just wanted to tackle a problem every day people had. And when I thought about what problems 90% of people had, it was cash flow, money!\u201d<\/p>\n<p>While the product was officially released for beta-testing in January 2021, Zuberi started operation right around the time COVID went mainstream in February 2020. Julian added 10 workers to a WhatsApp group and explained his idea to them: Zuberi would provide them with salary advances, for a small interest fee.<\/p>\n<p>Within a few months, the number of people who\u2019d joined the group doubled. He was providing 30 people with advances, using everyday tools like WhatsApp for communication, Excel for data collection, and Taptap Send to transfer payment. \u201cWhen I thought about how much I was doing just on WhatsApp and Excel, I realised that I could learn more and expand better with an app. So I started pitching to investors.\u201d<\/p>\n<p>Months later, he\u2019d raised about \u00a322,000 ($28,700) from friends and family to build the first iteration of the Zuberi App. At that time, he also brought on as co-founder Nana Adomako\u2014who worked as the Growth Manager for Taptap Send.<\/p>\n<p>By December 2021, Julian quit his 9\u20135 as a product manager and moved to Ghana to focus on and lead the vision of Zuberi. \u201cIf you\u2019re going to be a founder of a startup,\u201d he says, \u201cI think the best role is probably to be a product manager because you\u2019re basically the CEO of the product and you get to know the ins and outs of what you\u2019re building.\u201d<\/p>\n<p>While Zuberi is still in its early stages and available to only a select group of users, it has thousands of Ghanaians on its waitlist. \u201cWe are still sorting out regulation and yet to fully launch. We\u2019re working with the Bank of Ghana to get Zuberi up as soon as possible so people can access its benefits.\u201d<\/p>\n<p>When asked about his fears, Julian says he has none, even though he\u2019s earning significantly less as a CEO, compared to when he was a footballer or a product manager. \u201cI think I could probably play again if I wanted to, but I\u2019m not interested. I\u2019ve found my calling. Here, I\u2019m building value, actual value I can see in people\u2019s lives. I might not be earning as much but I\u2019m not high-maintenance. As long as I can provide for my family, then that\u2019s all that really matters.\u201d<\/p>\n<p><strong>For More News And Analysis About <a href=\"https:\/\/www.africa-press.net\/ghana\">Ghana<\/a> Follow <a href=\"https:\/\/www.africa-press.net\/\">Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa-Press &#8211; Ghana. At 14, UK-born Ghanaian Julian Owusu discovered a talent that would earn him money: playing football. It\u2019s a dream many young boys have, to gain global recognition and wealth doing something they enjoy, a sport watched by over 1.1 billion people across the world. While football might not be one of the [&hellip;]<\/p>\n","protected":false},"author":84,"featured_media":18715,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,8,17],"tags":[5092,5096,194,429,8304],"class_list":["post-18716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-news","category-homepage-english","category-sport","tag-africa-press","tag-africa-press-ghana","tag-football","tag-ghana","tag-julian"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Julian Owusu\u2019s journey from football to fintech - Ghana<\/title>\n<meta name=\"description\" content=\"At 14, UK-born Ghanaian Julian Owusu discovered a talent that would earn him money: playing football. 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