Advocates say stay patient. Mobile payments are coming, probably faster than you think.

But some contend that the relatively new transaction tool has not lived up to expectations because early promises were not kept, and right now, most consumers have yet to make a payment at the point of sale using a mobile device. However, a shift is starting to occur.

Ground zero for mobile payments at credit unions may be at the $699 million One Nevada Credit Union in Las Vegas, where Chief Financial Officer Paul Parrish is shepherding rollout to members of CU Wallet, a mobile point of sale platform with an initial pilot scheduled for late May or early June. The complete debut of CU Wallet's capabilities are set to roll out to the company's 47 credit union clients by the end of the year. He stressed why it is crucial that a credit union-owned initiative such as CU Wallet must work.