Open an image in Photoshop. I chose the next one to work with:
Select Filter > Artistic > Smudge Stick with the next settings:
Add a new layer in the Layer Tab, draw a rectangle with a white color and add shadow to this layer; this new layer must be below the layer that contains the picture:
Add a small border to the rectangle, if you want, using the Layer > Layer Style > Drop Shadow.
Now add a color to the layer â€œbackgroundâ€ and some kind of texture using another picture and the â€œBlending Optionsâ€ in the Layers Tab: