Hi,
i'v been updating my cameras and lenses and ran across this problem too - the camera says firmware not installed on the SD card.
The lens I'm trying to update is the 10-24 R OIS lens, which has a firmware installed of 1.0 and the fuji website says it needs to be updated (see link below) to 1.13.
https://fujifilm-x.com/global/support/download/firmware/lenses/xf10-24mmf4-r-ois/
Any ideas?
Joe