[step:Construct $\psi: M \otimes_S (S \otimes_R N) \to M \otimes_R N$ in two stages]We build $\psi$ in two stages using the universal property of the tensor product.
**Stage 1: For each fixed $m \in M$, construct $H_m: S \otimes_R N \to M \otimes_R N$.** Define $\Theta_m: S \times N \to M \otimes_R N$ by $\Theta_m(s, n) = (sm) \otimes n$. This is $R$-bilinear: for $r \in R$,
\begin{align*}
\Theta_m(s + s', n) &= (s + s')m \otimes n = (sm) \otimes n + (s'm) \otimes n = \Theta_m(s, n) + \Theta_m(s', n), \\
\Theta_m(s, n + n') &= (sm) \otimes (n + n') = (sm) \otimes n + (sm) \otimes n' = \Theta_m(s, n) + \Theta_m(s, n'), \\
\Theta_m(f(r) \cdot s, n) &= (f(r) s \cdot m) \otimes n = (s \cdot m) \otimes rn = \Theta_m(s, rn),
\end{align*}
where the last line uses $f(r)s \cdot m = s \cdot f(r) m = s \cdot (f(r)m)$ (commutativity of $S$) and then the $R$-balance relation in $M \otimes_R N$: $(sf(r)m) \otimes n = (sm) \otimes rn$, since $f(r)m = m \cdot f(r)$ gives $(sf(r)m) \otimes n = (sm) \otimes rn$ by the relation $f(r) \cdot (sm) \otimes n = (sm) \otimes f(r) \cdot n$ after noting $f(r) \cdot m = m$ with $r$ acting on $N$. More precisely: $(f(r)s)m \otimes n = s(f(r)m) \otimes n$ and $sm \otimes rn = s m \otimes rn$, and the $R$-balance condition in $M \otimes_R N$ gives $f(r) \cdot (sm) \otimes n = (sm) \otimes rn$ since $r$ acts on $M$ via $f(r)$ and $r$ acts on $N$ directly.
By the universal property of $S \otimes_R N$, there exists a unique $R$-module homomorphism
\begin{align*}
H_m: S \otimes_R N \to M \otimes_R N, \quad s \otimes n \mapsto (sm) \otimes n.
\end{align*}
**Stage 2: Construct $\psi$ from the family $(H_m)_{m \in M}$.** Define $\Psi: M \times (S \otimes_R N) \to M \otimes_R N$ by $\Psi(m, x) = H_m(x)$. We verify $\Psi$ is $S$-bilinear:
*Additivity in the first variable:* $\Psi(m + m', s \otimes n) = H_{m+m'}(s \otimes n) = (s(m + m')) \otimes n = (sm) \otimes n + (sm') \otimes n = H_m(s \otimes n) + H_{m'}(s \otimes n)$. Since $S \otimes_R N$ is spanned by pure tensors and each $H_m$ is additive, $\Psi(m + m', x) = \Psi(m, x) + \Psi(m', x)$ for all $x$.
*Additivity in the second variable:* $\Psi(m, x + y) = H_m(x + y) = H_m(x) + H_m(y) = \Psi(m, x) + \Psi(m, y)$.
*$S$-balance:* For $s' \in S$: $\Psi(s'm, s \otimes n) = H_{s'm}(s \otimes n) = (s \cdot s'm) \otimes n = (ss'm) \otimes n$ and $\Psi(m, s' \cdot (s \otimes n)) = \Psi(m, s's \otimes n) = H_m(s's \otimes n) = (s's \cdot m) \otimes n = (ss'm) \otimes n$, using commutativity of $S$.
By the universal property of $M \otimes_S (S \otimes_R N)$, there is a unique $S$-module homomorphism
\begin{align*}
\psi: M \otimes_S (S \otimes_R N) \to M \otimes_R N, \quad m \otimes (s \otimes n) \mapsto (sm) \otimes n.
\end{align*}[/step]