The most likely cause of the speciation of finches in the Galapagos Islands compared to those on the nearby mainland is:
D. The water between the mainland and islands prohibited interbreeding.
This option highlights the geographical barrier that would prevent the finches from mating between the mainland and the islands, leading to reproductive isolation. Over time, this isolation allows the finches on the islands to adapt to their unique environments, ultimately resulting in the development of different species.