Summary: I have owned this camera for over a year hate the quality of the pictures. I'm not an expert when it comes to cameras I'm not a novice either, and have larger better cameras but after a while the larger ones get heavy. So when I saw this camera I thought it would be perfect. Its light and portable however the quality does not make this camera worth the price.
Summary: Seems like a decent product, but I went through two returns with Tech for Less - an Amazon merchant. They were very courteous throughout the transaction and provided fast service, but I had to return two factory-refurbished cameras in a row for defects. One was pretty bad. It wasn't at all in the shape described.
Summary: I bought this and returned it the next day. Every photo I took (whether indoor, outdoor with sunlight, flash, no flash) was very grainy and just bad quality. I can't imagine how grainy the photos would have been if I had tried to print them! I normally use a Canon Rebel Digital SLR camera, so I may be "spoiled" by more professional looking shots, but I was looking for a point and shoot that would still give me decent quality photos so I wouldn't have to carry the big...
Summary: my hands are maybe too big for this camera. My left forefinger is always touch or cover to lens. If I try to avoid that I covered microphone (it's not good when I take a movie). I gave up to hold secure and decided to return it.
Summary: I just used this for the 1st time today so no input about durability. I will likely not keep this camera, b/c I think for it's basic functionality you could get one that is cheaper and likely better. Drawbacks: There is no viewer, you only have the digital screen to use to see your shot. Battery died extremely fast, took about 60-75 pictures max. Shutter speed is super slow, most pics I took were no good because it was the shot 5-10 seconds after I pushed the button.
Summary: The display screen on the camera I received was about at the quality level of screens 20 years ago. When setting up the picture, or filming video, the screen quality was very grainy. I think it must be a defect even though Fuji's website indicates that vertical lines seen on the screen when viewing brighter objects such as lights on a Christmas tree are "normal" and not a defect. I haven't seen anything like that in many years.
Summary: This is a very attractive camera, with lots of cool features and very good screen. However, the core function of a camera, for me, is to take pictures, and in this respect the Z20fd failed. I am not a `novice' user, but nor am I an expert. I don't even have the best eyesight in the world. I do not expect perfection from such a well priced product. However, it was clear to me from the outset that the picture quality on this camera was poor.
Summary: This is a great little camera and I'm very pleased with the way it works and the quality of the pictures. Unfortunately the supplied software (FinePix Viewer) is so unbelievably terrible that on the basis of that alone I can't recommend it! There are plenty of competing products out there which I'm sure take equally good pictures but come with decent software. What's wrong with the software? I hear you ask.
Summary: Cameras these days seem to have a year or so lifespan then they die on you. I've been through four digi-cams now, each time they get a little bit slimmer, have a little larger screen and more megapixels. In my case I started with a modest 1 million pixeler about the size of a club sandwich too big for your pocket and screen the size of a stamp. In the Fuji's case it's pocketsize.