What makes the boundary become more turbulent as it flows over a surface/wing?
There are so many people who know much more about this than I. But let's just discuss this simply regarding low mach number wings and flight, say Reynolds numbers more than a million but less than 10 million. Typically, two things contribute to turbulence: a) intrinsic factors, and b) extrinsic factors.
Let's take a look at the intrinsic factors, first. As the flow progresses over the wing from leading edge to trailing edge, the flow initially accelerates to a maximum velocity (about mid-chord, say somewhere between 30 and 60 percent of the chord length), and then decelerates to the trailing edge. We call this initial acceleration a favorable pressure gradient, and the deceleration region an adverse pressure gradient. The favorable pressure gradient promotes the growth of the laminar boundary layer. At the initiation of the deceleration phase, however, the laminar boundary layer is destabilized and forms a laminar separation bubble, which itself increases drag. The laminar boundary layer is destabilized by the loss of the favorable pressure gradient and becomes turbulent as the flow reattaches and progresses against the adverse pressure gradient. No longer is the velocity of the boundary layer zero at the surface of the airfoil, as it was with the laminar boundary layer, but the energized flow is now actively moving against the surface. As this turbulent boundary layer progresses against the adverse-pressure gradient, the turbulent layer becomes thicker and will increase skin-friction drag with the airfoil. The adverse gradient can cause the turbulent layer to separate resulting in a marked increase in pressure drag. Momentum from the aircraft is now transferred into the turbulent airstream separating from the wing. The wing has stalled. However, this is not always true. Airfoils can be designed in such a way that the shape of the airfoil controls the gradient of deceleration against which the turbulent boundary layer must progress. In fact, the shape of the airfoil profile through this region can be designed in such a way that the boundary layer becomes infinitely separating and produces no skin friction or pressure drag as the flow separates.
What are extrinsic factors? Bugs. Dust, surface imperfections, dents, rivets, rain, the propeller. Any of these items can trip the laminar boundary layer causing it to become turbulent in the favorable pressure gradient of the airfoil. This increases drag. As this flow accelerates, the turbulence generated thereby becomes fully energized and will thicken precipitously as the flow progresses through the adverse pressure gradient. Nevertheless, this process can be propitiously used to advantage. If a trip strip is placed on the surface of the airfoil in the favorable pressure gradient region just ahead of the adverse-pressure gradient where the laminar boundary layer will separate, the tripped laminar layer will become turbulent and remain attached. Overall, tripping the laminar layer in this way will reduce separation-bubble drag and promote the onset of turbulence which can promote maintaining attachment of the turbulent boundary layer.
But what about the entire airplane? In today's world, every attempt is made to keep surfaces smooth, contours smooth, turbulence smooth. The separation process can happen anywhere along the aircraft itself, and promote increased drag. Careful shaping of the aircraft can resolve this issue, but the design and construction work takes time, patience, and care. Take a look at this link and watch this series about what goes into making smooth work to one's favor.