Armalytix has launched Complete Compliance Bundles for the UK property market, combining several checks into a single process for home movers.

The new offering brings together digital identity, Source of Funds, anti-money laundering, fraud and affordability checks in one structured journey. The bundles can be tailored to different stages of a home move and to the needs of the firms involved in a transaction.

The launch comes as property companies face pressure to cut duplication in compliance work while managing rising scrutiny and transaction delays. Home movers are often asked to submit the same information multiple times to estate agents, brokers, lenders and conveyancers, slowing progress and creating inconsistent records across the chain.

Armalytix says its system is designed to give firms a single verified view of a customer’s status through one digital process. The approach is intended to help participants in a transaction work from the same base of information rather than relying on separate checks gathered through different systems.

Market pressure

Across the property sector, compliance has become a bigger operational issue as firms try to meet anti-fraud and anti-money laundering obligations without adding friction for customers. Transactions often involve several businesses, each with its own procedures, documents and systems, leading to repeated requests for information and more administrative work.

That has made the balance between regulatory requirements and customer experience a more prominent issue for property professionals. Delays and failed transactions remain a persistent concern, and firms have been looking for ways to gather key financial information earlier in the process.

The bundles include a single digital journey intended to replace multiple forms, emails and follow-up requests. Other features include workflows that can be adjusted for different roles across a property transaction and real-time visibility of compliance status on each matter.

The product also supports upfront data capture so checks do not have to be repeated later in the process. Armalytix argues this could reduce manual handling and limit the amount of information a home mover needs to resubmit as a sale or purchase progresses.

Property chain

Armalytix has been active in digital financial verification for the conveyancing market, and the new bundles extend that work across a wider part of the transaction chain. The product is intended to support estate agency, mortgage and lending workflows, as well as legal work linked to property deals.

By bringing those elements together, Armalytix is positioning the launch around a common market problem: fragmented compliance checks carried out by different parties at different times. If adopted by multiple firms in a transaction, a more unified process could reduce repeated data collection and help information move more consistently between participants.

For firms in the sector, the appeal lies in whether one structured journey can cut the administrative burden without weakening controls. Financial verification in property has become more detailed, and businesses must show they understand the source of a client’s money, identify fraud risks and meet anti-money laundering obligations while still moving cases forward.

Alex Mangan addressed that challenge in comments released with the launch. “Property professionals are under pressure to keep transactions moving, while home movers are often asked for the same information multiple times. That creates frustration on both sides. Complete Compliance is about simplifying that experience, giving firms a clearer, more structured way to verify transactions, and making the process easier for the people going through it,” said Alex Mangan, Head of Sales at Armalytix.

The supermarket said the affected Morrisons Daily branches have been loss-making for some time.

Jobs are at risk at stores across Oxfordshire, including two in Oxford and Bicester, and one each in Banbury, Carterton, Didcot, Faringdon and Thame.

Morrisons, which runs around 1,700 Daily convenience stores, took them on as part of its £190m rescue of McColl’s in 2022.

The move follows last year’s decision to shut 52 cafés and 17 convenience stores.

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The grocer said the stores’ performance has been squeezed in recent years by rising costs it links to Government policy, including increases to the national living wage and employer National Insurance contributions.

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A Morrisons spokesperson told The Retail Gazette it was proposing the “tough but necessary decision” to close the loss-making stores, with a staff consultation due to begin shortly.

The retailer has not yet revealed which sites are earmarked for closure or exactly how many roles are at risk, but it is thought that hundreds of staff could be affected.

While the company said it would try to find alternative roles for those impacted by the proposed cuts, it insisted it still has a “robust expansion plan” for 2026 and believes there is scope to open hundreds more franchise convenience stores over the coming years.

GIESECKE+DEVRIENT (G+D)

SecurityTech Company

A banknote and a smartphone have more in common than you might think: both fit in a pocket, both get handled millions of times a day, and both are, in their own way, remarkably sophisticated pieces of technology. The difference is in what happens when threats evolve. Smartphones get updates. Banknotes don’t. They have to get it right from the start, and keep getting it right for years, across every climate, every cash register, and every automated sorting machine on the planet. That makes the underlying security architecture all the more impressive. SecurityTech company Giesecke+Devrient (G+D) breaks down five technology layers that turn an everyday banknote into a compact high-security system.

1. Material Technology: Security You Can Feel

Banknote security doesn’t begin at the printing press, instead it begins with the substrate. The material a note is made from largely determines how durable, functional, and ultimately how tamper-resistant it can be. Modern banknotes are built on specially engineered cotton fibers, or hybrid constructions that combine cotton and polymer. These aren’t chosen for feel alone, though the characteristic texture of a cotton-based note is itself a first-line authentication tool, one most people use intuitively without realizing it. More importantly, many security features aren’t applied on top of the material; they’re embedded within it. That makes them structurally inseparable from the note, and a serious obstacle for anyone trying to replicate it.

2. Micromirror Technology: Light as a Verification Tool

Tilt a banknote and something shifts: colors change, and elements appear to float or move. These aren’t printing tricks, they’re the result of precisely engineered microstructures that control how light behaves at the surface. Among the most advanced developments in this field are micromirrors combined with nanostructures, at a scale almost impossible to visualize: up to one million of these micromirrors can fit on a single thumbnail. Aligned with nanometer precision, they reflect light to produce a clearly recognizable image, even in poor lighting. The effect is entirely physical, not digital, and it cannot be reproduced without highly specialized manufacturing equipment. No inkjet printer in the world comes close.

3. Sensor Technology: What Only Machines Can Detect

Most banknotes today are never verified by a human eye. They pass through ATMs, counting machines, and high-speed sorting systems that authenticate them in fractions of a second. This is made possible by features that are entirely invisible under normal conditions, such as elements that react to UV light, or carry characteristics readable only by dedicated sensors. This machine-readable layer largely operates in the background of everyday life. For the cash cycle, it’s essential. For counterfeiters, it’s one of the hardest barriers to crack, precisely because you can’t see what you’re trying to replicate.

4. Colour Technology: Pigments with Security Functions

The color design of banknotes serves purposes far beyond aesthetics. Special optically variable inks (OVIs) and iridescent features create effects that shift, disappear, or change color depending on the viewing angle, while others only become visible under specific light spectra or defined conditions. The color-shifting effect follows the same physics as the rainbow shimmer of oil on water, but applied with far greater precision. Layer thickness is calibrated at the nanometer level to determine exactly which frequencies of light are reflected. Even if a counterfeiter managed to reproduce the visual design, they would still be missing the underlying physical mechanism that makes it work.

5. Forensics: The Banknote’s Hidden Signature

The so-called Level 3 security layer is invisible, machine-readable, and embedded deep within the note. It can only be detected with specialized sensor technology, and it allows every individual banknote to be authenticated with high precision throughout the entire cash cycle. For counterfeiters, this layer is essentially inaccessible. Without the corresponding verification technology and system expertise, the hidden signatures can neither be identified nor replicated. It’s security through obscurity in the most literal sense: if you can’t find it, you can’t fake it. 

“Security features on banknotes must be extremely difficult to manufacture, while their effects must remain easy to recognize,” says Dr. Manfred Heim, Managing Director of G+D subsidiary Papierfabrik Louisenthal, responsible for Research & Development, Technology and Operations. “They are designed to withstand years of intensive use under highly diverse conditions, from physical wear to fully automated cash-handling processes. Modern security concepts don’t rely on any single feature. They work through multiple independent verification layers that combine physical robustness, machine authentication, and long-term stability.”