To multiply algebraic expressions, we can use commutative and associative laws along with the law of indices, $a^m \times a^n=a^{m+n}$.
We have:
$(2.3xy) × (0.1x) × (0.16)$
$= (2.3 × 0.1 × 0.16) × (x × x) × y$
$= (2.3 × 0.1 × 0.16) × (x^{1+1}) × y$
$= 0.0368x^2y$
Thus, the answer is $0.0368x^2y$.
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