Answer :
Answer: Electromagnetic, thermal
The reason you don't see "solar, electromagnetic." is because the question is asking what conversion happens for a solar panel to heat up water. It's not asking for what conversion happens when it makes electricity.
Solar panels convert electromagnetic radiation energy to thermal energy which can be used to heat water
What is solar energy?
The energy transferred from the Sun in the form of electromagnetic radiation is known as the solar energy
It can be used as the thermal energy for various life purposes as well as for the electricity conversion with the help of solar photovoltaic cells
The ratio of total electrical energy converted to total thermal energy obtained from solar photovoltaic panels is known as solar energy efficiency, and it depends on the solar panel's area and design.
Solar collectors—panels or tubes used in solar water heating systems—capture solar energy. The infrared fraction of visible light is transformed into heat by the solar collectors. They include a mixture of water and glycol. This liquid is circulated in a circuit that also includes the hot water cylinder.
Hence, Solar panels convert electromagnetic radiation energy to thermal energy which can be used to heat water
Learn more about solar energy from here
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