Can you play faster with a pick or fingers?
Generally, it's easier to play faster with a pick than with fingerstyle. However, many guitarists can play extremely fast with their fingers, so it may be a matter of putting in more practice to build up your speed.
Is finger picking harder?
Fingerstyle is harder than strumming because you are picking individual notes and this requires greater finger dexterity. Learning to fingerpick or play fingerstyle can also open up a new world of musically creative possibilities.