To find the value of \( 8.1 \times 4.32 \), we can make use of the given equation \( 81 \times 432 = 34,992 \).
Notice that \( 8.1 \) is \( 81 \) divided by \( 10 \) (or \( 81 \times 0.1 \)) and \( 4.32 \) is \( 432 \) divided by \( 100 \) (or \( 432 \times 0.01 \)). Therefore, we can express \( 8.1 \times 4.32 \) as follows:
\[ 8.1 \times 4.32 = \left( \frac{81}{10} \right) \times \left( \frac{432}{100} \right) \]
This simplifies to:
\[ = \frac{81 \times 432}{10 \times 100} = \frac{34,992}{1000} = 34.992 \]
Thus, the answer is \( 34.992 \).