According to Citigroup's latest white paper 'Evolving Securities Services,' a survey of nearly 500 institutions revealed a shift in global financial institutions' attitudes towards using central bank digital currencies (CBDC) for digital asset settlement. The data shows that last year, 52% of institutions indicated they were planning or currently using CBDC for settlement; this proportion has significantly dropped to 15%, indicating a notable decline in interest from financial institutions in CBDCs. Meanwhile, institutions have shown increasing interest in other digital payment methods such as non-bank stablecoins, tokenized deposits, and tokenized money market funds. These changes reflect that market participants are exploring a broader range of digital payment options to adapt to the evolving trends in fintech. The survey also revealed that while North America leads in CBDC proof-of-concept projects, no commercial CBDC projects have emerged yet. Conversely, regions in Europe and Latin America show more progress in actual project development, suggesting varying paces and priorities of CBDC development across different geographical areas. As traditional assets and digital assets converge, financial institutions are seeking more efficient and convenient settlement and payment solutions. In this context, automation, cloud infrastructure, and solutions integrated with distributed ledger technology (DLT) networks have become the focus of future investments. These technologies aim to improve the efficiency of financial transactions, reduce costs, and enhance data security to meet the growing needs of financial institutions. In summary, the study reveals a shift in how global financial institutions use CBDCs and their transition to other digital payment methods, reflecting the dynamic changes and future trends in the fintech sector.