Let $R$ be a commutative ring. Given a polynomial $p=\sum_{k=0}^np_kX^k$ over $R$, let the value of $p$ at $x\in R$ be defined by $p(x)=\sum_{k=0}^np_kx^k$. This defines a function $\bar p\in R^R$. My book leaves the simple verification that $$\phi:R[X]\to R^R,\quad p\mapsto \bar p$$ to the reader. But when I tried to verify $\phi(p)\phi(q)=\phi(pq)$, it didn't seem so simple. I had to do a tedious proof by induction to show that $(\sum_{k=0}^m p_kx^k)(\sum_{j=0}^nq_jx^j)=\sum_{i=0}^{m+n}(\sum_{l=0}^i p_lq_{i-l})x^i$ for $x\in R$.
In this answer https://math.stackexchange.com/a/1743250/802314, the second bullet point says that it's enough to check that $\phi$ is multiplicative on monomials. Can someone explain why? How does the monomial case prove the general case?