I still think using the fingers is crazy. I prefer the cloth. I put my index finger and start swirling away. This method is effect since it gets off some of the dirt.
Once again, when I am just applying Saphir Ren. and not shoe polish/cream I use this method:
Clean the shoe thoroughly with a horsehair brush
Apply a small amount (pea-sized) of Saphi Renuvator onto a polishing cloth/t-shirt. Swirl from front-to-back.
Allow the cream to dry 3-5 minutes. Move onto steps...