In order to alleviate the “difficulty in seeing a doctor” for the masses, continuously optimize the service process, and explore new financial service processes for admission and discharge, this study proposes a cloud-fog hybrid model UCNN-BN based on an improved convolutional neural network and applies it to financial services in smart medical care. Decision-making applications: this research improves and designs the UCNN network based on AlexNet and introduces small convolution layers to form convolution groups, making the network more adjustable. The network structure is simpler and more flexible, and it is easy to adjust the algorithm. The number of parameters is small, and it can be directly superimposed without having to add new network hidden layers. The experimental results show that the recognition rate of the UCNN network on the FER2013 and CK+ datasets is higher than that of other recognition methods, and the recognition rates on the FER2013 and CK+ datasets are 98% and 68.01%, due to other methods. This shows that the improved convolutional neural network used in this study for financial services in smart medical care has certain applicability, and small convolution kernels help to extract more subtle features, so as to identify more accurately.