So using Aiko3 in Daz, if you look at the picture, you can see the rotation orientation of the fingers. (on the left darker image is Daz, on the right lighter image is 3dX)

When I save as FBX, and then open in 3dXchange, you can see the finger orientation it gets, which makes bending all wonky (its technical term for not working right)

What can I do to make sure the rotation alignment matches the original figure?  Is this an FBX export problem, something I can change in the FBX manually, or a 3dXchange issue?