Charged 'heads' at O/W interface repel each other, non-ionic surfactants get between ionic molecules, hence greater number of surfactant molecules at interface giving better stability
Cracking: rupture of interfacial film leading to the coalescence of droplets in the disperse phase until complete and irreversible separation of the two phases
Creaming: due to a difference in density between the two phases. Mainly in O/W emulsions; oil droplets move upwards and accumulate at the surface. This is reversible by shaking the emulsion
Phase inversion: the disperse phase becomes the continuous phase, and vice versa. Phase inversion can be caused by a large disperse phase, temperature changes and dirty equipment or charge interactions
Flocculation: clumping together of droplets to form loose aggregates. This is reversible by shaking