With the development and innovation of artificial intelligence (AI) technology, users can regulate their social lives and personal emotions through continuous interaction with AI voice assistants or chatbots. Based on the value-based adoption model (VAM), this paper examines the differences between different psychological factors with respect to perceived value factors when using AI voice assistants. This study is of great significance to improving AI voice assistant services and provides an important reference point for deeper understanding of user perception and emotional response to AI voice assistants. The aim of this research is to examine whether the usefulness, enjoyment value, perceived emotional value, and functional value of an AI voice assistant vary according to the user’s level of loneliness, resistance to innovation, and infringement of privacy. An online questionnaire created on the Questionnaire Star platform was used in this paper, and a three-way ANOVA was employed using SPSS 21.0 software. The findings suggest that the interaction effects of psychological factors such as loneliness, innovation resistance, and infringement of privacy differ in terms of perceived usefulness and enjoyment when using AI voice assistants, as well as in terms of perceived emotional and functional value. The results of this study provide a theoretical basis for the application and sustainable development of AI voice assistant technology by companies in different countries and regions. At the same time, this paper provides a valuable reference point for promoting urban economic sustainability in the context of digital technology.