# US–Malaysia ART Deal, BUDI 95 Breakdown, BNPL Issues & Cabinet Shake-Up | EP 80

Page: https://stenobird.com/podcast/are-we-ok-6968499/us-malaysia-art-deal-budi-95-breakdown-bnpl-issues-cabinet-shake-up-ep-80
Text version: https://stenobird.com/podcast/are-we-ok-6968499/us-malaysia-art-deal-budi-95-breakdown-bnpl-issues-cabinet-shake-up-ep-80.md
Podcast: [Are We OK?](https://stenobird.com/podcast/are-we-ok-6968499)
Published: 2025-11-19T08:09:28+00:00
Episode link: https://podcasters.spotify.com/pod/show/are-we-ok2/episodes/USMalaysia-ART-Deal--BUDI-95-Breakdown--BNPL-Issues--Cabinet-Shake-Up--EP-80-e3b62ds
Audio file: https://anchor.fm/s/ef6a6cd4/podcast/play/111396732/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2025-10-19%2F412758959-44100-2-b9d54353ad712.mp3
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Duration seconds: 5222

## Resource

This week, Peter and Ong Kian Ming break down the Malaysia–US ART deal and whether it really puts Malaysia at a disadvantage. They also explore the implementation of BUDI 95, discuss the rising concerns around BNPL usage, and look into the upcoming cabinet reshuffle including the big names being floated.Timestamp:0:00 – Introduction3:12 – What Is the US–Malaysia ART Deal?6:20 – Is Malaysia Giving the US Too Much Power?18:40 – What Indonesia Gets vs What Malaysia Gets22:00 – The “Malaysia Must Follow US Sanctions” Misinterpretation32:10 – Wong Chen, Parliamentary Process & Internal Tensions46:10 – BUDI 95 Breakdown: How the Subsidy Works1:10:20 – BNPL Risks & Youth Debt Concerns1:24:20 – Cabinet Reshuffle: Big Names & What to Expect1:27:03 – Closing Thoughts

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## Transcript

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