There is a long way to go before CBDC's ever become a contender for existing payment systems, but then I don't understand why they would even be replaced anyway? These financial services could adapt to become secure wallets for storing these digital currencies and are likely investigating that sort of transition even now. However CBDC's are still in the most basic stage, even just at the information and research stage, and nowhere near the full scale implementation stage and would take potentially decades to earn the trust of the average consumer. There may even be push back from consumers who don't necessarily see any additional benefits and older generations can be particularly slow to adjust to new technologies.