My book reads
$\textbf{1.1.3.}$ As an $\textit{illustrative example}$ [of the tensor product] we consider the special case where each $V_j$ is the set of all real valued functions on some set $S_j$, $W$ is the set of all real valued functions on the cartesian product $S_1 \times \cdots \times S_n$, and $f(v_1, \dots, v_n)(s_1, \dots, s_n) = v_1(s_1) \cdot v_2(s_2) \dots v_n(s_n)$ whenever $v_j \in V_j$ and $s_j \in S_j$ for $j = 1, \dots, n$. Here the corresponding linear map $g$ [induced by the tensor product] is a monomorphism, as seen by induction with respect to $n$; in case $n = 2$ one readily verifies that $\sum_{k=1}^{m} v_{1,k} \otimes v_{2,k} \notin \ker g$ whenever $v_{j,1}, v_{j,2}, \dots, v_{j,m} $ are linearly independent elements of $V_j$, for $j = 1, 2$. We also observe that $g$ is an epimorphism if and only if at least $n - 1$ of the $n$ sets $S_j$ are finite.
All is clear to me except for the last line. Indeed, if at least $n - 1$ of the $n$ sets are finite, then each $\tau \in W$ has finitely many choices for at least $n - 1$ of each entry of its argument, so that (supposing $S_j$ is finite for all $j \neq k$) $\tau$ can be written as a sum over all these choices, that is, $\tau = g(\sum \chi_{s_1} \otimes \cdots \otimes \chi_{s_{k-1}} \otimes \tau(s_1, \cdots, s_{k-1}, \cdot, s_{k+1}, \cdots, s_n) \otimes \chi_{s_{k+1}} \otimes \cdots \otimes \chi_{s_n})$, hence $g$ is an epimorphism.
I do not know how to show the converse, and would appreciate any help.