It means "we are a little worried about what might happen, but we are hoping for good luck." It expresses optimism. It is friendly and informal; it is not serious or solemn.
"I'm going to take my driver's test for the second time. I think I'm prepared!"
"We'll keep our fingers crossed for you!"
"It's clouding up. But I'm going for a walk anyway. Would you like to come along?"
"Sure."
"It might rain."
"Well, we'll just keep our fingers crossed that it won't."
People literally cross their fingers. A picture of crossed fingers is an emoji available in most sets of emojis. Here's a picture.
https://tinyurl.com/w3zgzw7
There is one other meaning, rather odd. There is a tradition that it is OK to make a false promise if you have your fingers crossed behind your back (that is, hidden).