Physics for IGCSE & O level - Thermal Effects (Section 5 - No. 48)
Why does the cooling effect happen when you dry your hands after swimming?
The air cools your hands
The water absorbs heat from your hands as it evaporates
The sun heats your hands.
Conduction occurs from your hands.
Forklaring
As water evaporates, it absorbs heat from the skin, cooling it.