How do you know if you actually know the material vs. just memorizing the answers?

I’m studying for the SIE, and I’ve been reading the book and taking a lot of practice exams/QBank questions. My scores are improving, but I’m worried that part of that is just recognizing questions or remembering answers I’ve seen before. The weird thing is, I only really feel like I’m learning when I’m drilling questions. Reading helps, but the concepts seem to stick more when I get questions wrong, review the explanation, and keep practicing. For people who passed, how did you tell the difference between actually understanding the material and just memorizing the QBank? Did you use fresh questions, explain answers out loud, track guesses, or have some other way of testing whether you really knew it?