K.C.
You can't really do anything about her not wanting a pacifier now, but it seems like the fingers are here to stay. She has already developed this habit and it is soothing to her. Just like a thumb sucker, she probably sucks her fingers for comfort and it relaxes her. My Dr. always joked to us that a binki can be taken away when need be, but fingers are there forever! Since you are not fond of the binki idea, I think that you'll just have to except that she may suck on her fingers for a long time...until she might be embarrassed of it. I see little kindergarteners sucking their thumbs in line when I bring my daughter to school. It happens! Have you thought about introducing a special cuddle or a blankie to make her feel more secure. My son had a binkie until he was 2.5, and then needed his blankie, but that doesn't leave the house. So, If we do go somewhere that he is not to sure about, he always brings his stuffed tiger. It's all about the security and self soothing!