The guys telling you to just kick harder aren't thinking this through. Shin pain at 3 months is normal, but ramping up impact without a real plan is how people develop stress fractures or chronic issues that linger for years.
Proper conditioning is actually gradual and pretty boring. Start by massaging your shins regularly - use a foam roller or even just your hands to work the tissue. This increases blood flow and helps the bone adapt to impact over time. Then work on controlled, moderate-intensity kicks on the bag rather than going full power. Your nervous system needs to learn the movement pattern first. Mix in kicks on pads with a partner too, since you have way more control there and can practice technique without absorbing massive impact. Wrap your shins properly before every session - good wrapping makes a real difference in how much shock you absorb.
The timeline matters. Most people see real improvement in shin tolerance after 6-12 months of consistent, sensible training. You're only three months in, so you're right on schedule to still feel some discomfort. Keep the intensity moderate, focus on form, and don't skip the massage and recovery work. If the pain is sharp or localized rather than a dull ache, that's when you need to dial it back further and maybe get it checked out. The goal is building adaptation, not pushing through actual injury.