Carly Urban
Economics professor at Montana State University and co-author of the working paper investigating how smartphone use affects survey responses and measured financial knowledge.
Best podcasts with Carly Urban
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Feb 9, 2026 • 10min
New study reveals a "smartphone penalty" that distorts survey results
Carly Urban, an economics professor at Montana State University who co-authored a study on surveys and smartphones, discusses how device choice changes responses. She explains the ‘‘smartphone penalty’’ and how phone use, low effort, question position, and rising mobile participation can distort measured financial knowledge. The conversation also flags risks from future tools like AI helpers.
Feb 9, 2026 • 10min
New study reveals a "smartphone penalty" that distorts survey results
Carly Urban, an economics professor at Montana State University who studies household behavior, explains how smartphones can skew survey results. She discusses a randomized test forcing device type, finds a “smartphone penalty” with more wrong and don’t-know answers, and explores fatigue, response effort, changing sample composition, and risks from future tech like AI.
