What strategy do Rummell and Joyce (2010) recommend using to establish your client's identity in a non-FtF environment?

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Rummell and Joyce (2010) recommend using a challenge question to establish the client's identity in a non-FtF environment. This is a common practice in online verification processes, where the client is asked to provide a specific piece of information that only they would know, such as their mother's maiden name or their first pet's name. This helps to ensure that the person accessing the account or service is the actual account holder and not an imposter.

What Strategy Do Rummell and Joyce (2010) Recommend Using to Establish