Water diffuses into the skin via sweat ducts which alters the electrolyte balance. electrolytes can be salts like sodium and potassium. This alters the stability of neurons causing blood vessels to constrict therefore decreasing the amount of fluid in the fingers which would normally give the skin tension. The decrease causes wrinkles.
The cytoplasm that is in prokaryotic cells, is a gel like but also fluid substance, which all all the cellular components are suspended. the eukaryotic cells are very similar to this, but eukaritoic cells dont contain organelles.