Specifically, we're talking about the clit. One point echoed throughout the study was that the kind of "fingering" that actually brings women to orgasm is rubbing of the outside area around the clit. Keep in mind, you'll likely have to go back for seconds and thirds of wetness in order to get it well-coated. Meaning, if some move felt really good for your ex-girlfriend, that doesn't mean it'll do the trick for your next girlfriend. You have to marinate before you barbecue. Using this natural lube makes touching feel smoother, and allows your fingertips to glide and caress instead of pulling or catching on the sensitive skin.
For the vast majority of women, penetration is nice, but it's kind of like rubbing your balls:
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These moves build anticipation and help awaken arousal. Of course, there's no "one fingering trick finishes all" technique. It's not what you put in, it's what's on the outside that counts. In fact, the resounding sentiment from the study was that the clit gets attention paid to here and there, but most women would prefer to have it touched throughout the act. The clit is so sensitive that some strokes can feel really uncomfortable or even hurt certain women. Also, that "something" might not expressly involve your dick — since only If you reach right for it, it runs away.