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In addition to the labelled products, ALDI Nord offers wide ranges of non-labelled vegetarian and/or vegan items. The most significant proportion of the waste generated was attributable to packaging. Het in de juiste volgorde overnemen van de tekens is verplicht. Zie ". Revenue of Aldi in the U.S. 2005 and 2010 (in billion euros) Additional Information Statista 2023 Show. Our Instagram was born, inspiring ideas were showcased and recipes aplenty were shared. By the time the year was out, wed opened 20 more stores and accelerated our push to foster long-term, mutually beneficial partnerships with Australian suppliers, many of whom we continue to collaborate with today. In 2021, Aldi Group's net sales amounted to just under 134 billion U.S. dollars, a 15.3 percent growth compared to the previous year. Aldi Catalogue Specials Week 2 11 17 January 2017 Http Olcatalogue Com Aldi Aldi Catalogue Specials Html Aldi Specials Aldi Catalog. Download . As a result, the total number of purchased products may be lower than the total of the breakdowns by country. 2 In 2020, the quantities of tea certified by UTZ and Rainforest Alliance were still surveyed separately. News. 1This category also includes employees released for the works council and maintenance staff. Sustainability at ALDI Nord. Deutsche Bank reported a trend of other supermarkets near ALDI stores dropping their prices by an average of 4.6%. ALDI Store Update July 17, 2020. Our 150th Australian store was welcomed by customers in Melbournes St Kilda on 13 September 2007, another huge moment for us which led to our national market share surpassing 5%.By this point, wed contributed approximately $300 million to the VIC economy and expected to reach 1,000 employees in the state by the end of the year, as we looked ahead to achieving our next goal of 50 more local stores within five years.The now 900-strong limited product range extended to include gourmet, diet and organic foods, which sought to deliver a fresher, healthier and more diverse offering to customers whatever their tastes or dietary requirements - be that lactose free or vegetarian.As well as integrating racking into our warehouses, this was the year we introduced the business to email. Aldi Australia is eyeing its third decade of growth, underpinned by new stores, e-commerce and an unswerving commitment to lower prices. Chills hit the tills as our inaugural Snow Gear Special Buys swept through stores, an annual event which has since gone on to grow 387% in scale. This meant taking care of our employees and customers even more than ever and working with Australias supermarkets to promote the values we all hold dear, day in, day out.Since opening in Australia in 2001, we have contributed to the Australian Economy, practised an Australia first buying policy, become the only local supermarket to have never offered single-use plastic bags in any of the 550+ stores we now operate, and built a 1,800-strong award-winning product range. The largest proportion was attributable to the UTZ/Rainforest Alliance certification standard (around 80 per cent), followed by Fairtrade (around 19 per cent, including around 1 per cent attributable to items with Fairtrade certification and the EU organic logo) and the EU organic logo (around 0.2 per cent). Meanwhile ALDI Unpacked - an online resource - invited our audience to take a look behind-the-scenes at everything Good Different about ALDI Australia, including our grocery range, Special Buys, supplier partners and up-to-date news and announcements. QLD NSW. MORE. Share of own-brand products certified with the MSC, ASC, GLOBALG.A.P. Hazardous waste, amounting to 1,057 tonnes, only made up 0.3 per cent of the total waste volume. Something we were able to bring to market the following year via a new generation crate developed with Australian pallet and container specialists CHEP. *The segment from 9News - Channel Nine was independent editorial and not paid for by ALDI. Get in touch with us now. Following the lead of our new and improved logo, next up was refreshing our store format to receive some love, as we pushed ahead with a multi-million dollar store refurbishment program to revitalise an older store layout - a move which saw us say goodbye to our much loved iconic yellow tiles.An even more comprehensive Quality Management System was introduced nationally, to ensure our suppliers had everything they needed to support our responsibilities to uphold the highest standards of safety, quality and regulatory compliance across the business.Then there was the launch of our new brand positioning, Good Different, as we moved things on from the Smarter Shopping which had been synonymous with ALDI for 15 years by embracing everything that makes us special to our customers. 62 new products were added to our everyday range, with organics and gluten-free amongst the growth areas.We got laser focused on end-to-end operational safety with the launch of our Safety Online system and made moves to keep employees even more connected with developments around the business with the introduction of the MyALDI app. MORE. Fuel consumption of trucks, cars and other vehicles (in litres or kilograms of LPG). 1 Some data is based on projections. Employees at the big retail group were cut by 4 per cent in Oz to 13,378 working at the group's 570 stores. The Code Arbiter for ALDI is required to prepare the report and given copies to ALDI, the Australian Competition and Consumer Commission (ACCC) and the Independent Reviewer within 30 business days after the end of each financial year. Unit pricing was mandated by the Rudd Government and we were pleased to have offered this to our customers in keeping with our principles of transparent trading and consistent value - we were thankfully ahead of the curve on this front.Amongst these industry level considerations, growth ambitions continued to burn brightly across the team as we took another 38 stores to market and raced past the big 200 national count the week before Christmas. ALDI Store Update June 26, 2020. This became the genesis of a new store layout which has since been integrated into 90% of our supermarkets nationally.In keeping with this broadening appeal, Special Buys went full fashion with an exclusive kids clothing range designed by Collette Dinnigan, whose ethical ethos complemented some of the great work the Corporate Responsibility team was doing in this space.We were again grateful as everyones efforts culminated in customers giving us another nod for a Supermarket of the Year award, and with our national market share now closing in on 9.4% the time felt almost perfect for pastures new. Weve achieved all this by staying true to our core values of simplicity, consistency and responsibility, something well continue to do as we look forward to a happier, healthier 2021 for all and the next 20-years of our journey. 5 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). 2 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). Only the countries where it is used are listed here. The report also found that just by ALDI being present in the market, those that shopped elsewhere still saved around $450 million.In 2018, our operations contributed $3.2 billion to Australias GDP part of an estimated $23 billion since 2001 and supported more than $1 billion of GDP through our employment of more than 12,500 people. The scope of data is to be expanded and internationalised in the years ahead by introducing the ATC for additional product groups and in additional countries. Gelieve de privacyregeling te lezen en te accepteren. Find out more about ALDI Australia our community and customer initiatives supplier property opportunities media relations careers information. Welcome to our celebration of 20 years of ALDI Australia, a digital time-capsule of the major milestones and memorable moments which have defined our first two decades. 1 The value for 2019 was corrected compared to the information published in the previous years report. 3 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). After 18 years in the Australian market, we wanted to quantify the extent of our contribution to the Australian economy and how we were saving grocery shoppers money. A faster-than-expected jump in food inflation at Coles and Woolworths in September will put further pressure on suppliers, retailers and consumers, according to UBS. EXPLORE. 1 These include industrial trucks (forklift trucks) and vehicles with LPG drives. 3 . Oops! We got hands on with our in-house product development, testing and tasting, received continued customer satisfaction, and clearly labelled our position when it came to health information on packaging with a little help from celebrity nutritionist Susie Burrell.Another big moment for us was the debut of our first Australian TV ad. As well as designing every store and solution with energy efficiency and pollution minimisation in mind, we continued to lead the way in plastic minimisation policy with the launch of a Australian-made, fully recyclable bag.Our bag options have evolved over time in line with new techniques and technologies, and we are proud to have never offered customers single use plastic bags in any of our Australian stores. More May 2020: ALDI joins the International Labour Organization's (ILO) "Call to Action in the garment industry". ALDI Stores A Limited Partnership is a foreign owned private company that operates in the supermarket and grocery stores industry. Number of listed food and non-food own-brand products labelled as vegetarian and/or vegan from the standard and special-buy product ranges1. When we started out in Australia, competitors and shoppers alike would surely have struggled to believe there would be 100 ALDI supermarkets here full stop, let alone 100 in our first four years of operations. 1 In some cases, the ALDI Nord buying companies purchase individual products for several countries. 1 0 obj ALDI becomes the first Australian member of Slave-Free Alliance and publishes Modern Slavery Statement ALDI details its partnership with Slave-Free Alliance as it releases its Modern Slavery Statement for 2020. In accordance with the GHG Protocol, Scope 2 emissions from electricity consumption were calculated separately for the first time in 2019 according to location-based and market-based emission factors. Gebruik de code uit het bericht om de activering te bevestigen. Currently ALDI is the third largest supermarket retailer in Australia. The largest proportion was attributable to the UTZ/Rainforest Alliance certification standard (around 94 per cent), followed by Fairtrade (around 6 per cent, including around 0.2 per cent attributable to items with Fairtrade certification and the EU organic logo) and the EU organic logo (around 0.005 per cent). FSC 100%, FSC MIX and PEFCTM are considered to be certification standards. Aldi's history. View job listings, recent news updates, real estate and supplier opportunities, and our corporate responsibility principles. Our business model is simple we will give our customers responsibly sourced great quality products at the best price. Our 150th store brought with it some bonus materials to mark its opening, including a commemorative 15c shopping bag, special edition trolley token and 150c produce promotion. Our Most Satisfied Customers bestowed 13 Canstar Blue awards on us in 2020, for a whole host of lines including coffee pods, nappies, eggs and mouthwash. 3 0 obj Sorry, er is een fout opgetreden. REPORT 2020 Downloads. endobj ALDI aktuell. The deal was struck on a 5.4 per cent yield, which will be noted in a market where sub-regional malls have been considered most vulnerable to e-commerce. 2 The values for 2018 and 2019 were corrected compared to the information published in the previous years report. . Share of cage-free shell eggs as a proportion of the total number of procured shell eggs (in per cent)1. 2 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). Wilt u op de hoogte gebracht worden als het artikel verkrijgbaar is? U ontvangt van ons een e-mail om uw e-mailadres te bevestigen. 3 No paid sick leave in Portugal (n.a. This includes 'residual waste', packed food, bulky waste, wood and metal scrap. 3 Including incineration for energy recovery. The first is Albrecht (AL), the family name of our founders, and the second is Diskont or Discount (DI), which just goes to show that value is literally in our DNA! Following a stint operating from a temporary NSW base in Baulkham Hills the previous year, our first regional office in Minchinbury welcomed a growing team of employees from October 2000. Tom Daunt, who joined the ALDI business in 1998 as a UK Area Manager before returning to Australia in 2003, was named our new Group Managing Director, a position hed step up into the following January from his role as Managing Director of Buying.We unveiled a new graduate program and attended career fairs along the East Coast to promote the many benefits of joining our team.A total of 46 dedicated employees celebrated 10 years with us in 2010. Our 2004 new store openings totalled 26, with plans for 200 more in the pipeline.Our regional office for the Sunshine State rolled out between Brisbane and the Gold Coast in Stapylton. The silly season saw us welcome an idea from our European counterparts and give it a whirl for Australian audiences beer and wine advent calendars packed full of 24 days of brews or blends to keep festivities (very) merry. 2 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). Zonder invoer van de tekens is het niet mogelijk om het formulier te verzenden. Aktuelle Angebote, Einkaufsliste & Rezepte in der Hosentasche. 2The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). Our focus shifted to recruitment in 2014 as we set about sourcing enthusiastic and motivated Area Managers for SA.Melbournes Black Bag Roasters partnered with us to develop a unique range of beans and blends direct from one of the worlds coffee capitals, a relationship which endures to this day and has gone on to achieve award winning results with our Lazzio Medium Roast. Fish and seafood buying policy. Sustainability through partnerships developing environmentally friendly packaging to promote circular economy and improving animal welfare with farmers. 1The data was collected for the first time in 2020. Deze aanbieding is helaas niet meer geldig. The vocational training model based on the German pattern is not used in all countries, and the data on the number of apprentices is therefore restricted to Denmark, Germany, France, the Netherlands and Spain. In some countries, we also offer services, such as travel bookings, telephone and photo services, the sale of green electricity, internet streaming, or flower delivery. As German supermarket chain ALDI continues its expansion across the country with South Australia and Western Australia set firmly in its sights and plans its market share continues to rise. Progress Report Climate Protection 2020. 3 The data refers to ALDI Belgium companies only. 1 The data are partly based on estimates and extrapolations. endobj Our Parkes store was one that had been on its way for a while, ALDI having acquired the former Diggers Bowling Club site several years earlier. Separately DinoSol reported its sales advance by 16 while Vegalsa-Eroski declared its sales grew 79 in 2020. 2 The value for 2019 was corrected compared to the information published in the previous years report. Major gas suppliers will tell you there are hidden costs in replacing gas with potentially cleaner electricity. Welcome to our celebration of 20 years of ALDI Australia, a digital time-capsule of the major milestones and memorable moments which have defined our first two decades. REPORT 2020 All figures at a glance. ALDI Company Stats Industry Retail and Wholesale Founded 1976 Headquarters Batavia, Illinois Country Germany. Only the countries where it is used are listed here. Twenty years on, with more than 550 stores, we've never wavered from our original commitment to Australians: to offer outstanding products at the lowest prices. Resource Efficiency. 139 stores were now in operation across NSW, ACT, VIC and QLD.Our product range had broadened somewhat but was still coming in at around 922 items, as we introduced loose and random weight produce for the first time to help customers buy only what they need and us reduce food waste and packaging.Our warehouses went Wi-Fi, with the technology installed to improve real-time reporting and communications. ALDI Netherlands went the extra mile in the past to support customers on the road to a healthy and sustainable lifestyle. ALDI has upped the ante on Woolworths and Coles by committing to send zero food waste to landfill by 2023 and zero all waste by 2025. From the Algarve to the northern reaches of the country, ALDI Portugal places the community needs and customer wishes at the forefront of our sustainability and environmental measures. Total. 4 The value for 2019 was corrected compared to the information published in the previous years report. With modern customer communication methods, ALDI Spain can both respond to the changing sustainability and environmental concerns of its customers and raise awareness of these issues. From the supplier to the shelves of the stores, ALDI Belgium and ALDI Luxembourg meet customer . MORE. REPORT 2020 Interim Report 2020 as PDF. With our NSW and ACT presence continuing to grow, it was the VIC teams turn to roll out the yellow tiles for a spate of store launches. % She makes choices, Its been like a dream: Dancer returns to the stage after two decades, This is the best e-bike weve ridden around town, The women to know if you want to stand out from the crowd, Cost is the enemy: Brett Blundys road to Best & Less, Why Tania Austin wouldnt retire, even after pocketing $50m, Winners emerge from building sector collapses. Lots went down in 2014 Australia said farewell to The Big Day Out festival, Frozen became the biggest animated movie ever and the Ice Bucket Challenge became a thing, to name but a few.For us, after plenty of planning and consultation, we were ready to start making good on our long anticipated move to bring ALDI to another state SA.Applications for spaces were completed, the employee recruitment process began and we pressed ahead with onboarding suppliers. In 2015, we became the first major Australian supermarket to formally sign and implement the voluntary Food and Grocery Code. ALDI Australia has today released a new report measuring the impact of its entry into Australia and the contribution it has made to the economy over the past 18 years. MORE. Uw e-mailadres en telefoonnummer worden alleen opgeslagen om de herinnering voor een geselecteerd artikel te kunnen versturen. Australia. In general, we manage goods in such a manner as to prevent losses to the greatest extent possible. 2 The value for 2019 was corrected compared to the information published in the previous years report. 4 0 obj endobj Welcome to the. U kunt zich op elk moment uitschrijven voor de herinneringsservice. Research by analytics firm Nature revealed that the Reserve Banks aggressive interest rate rises to try to tame inflation were having the desired effect. The 150th going live took us to a total of 65 supermarkets in NSW, 45 in VIC, 34 in QLD and 6 in the ACT.With further revenue estimates moving us up to #7 in Inside Retails Top 10 Australian Retailers rankings, our focus on customer satisfaction seemed to be paying dividends, giving us confidence that a longer-term vision of 500 Eastern Seaboard stores and another 150 spanning South and Western Australia was achievable.We launched a special selection of new products including gourmet, diet and organic to keep the health of our customers a priority, unleashed some serious training and development for our employees, and debuted a weekly catalogue which put a little something called Special Buys front-and-centre. 2 Long-life carrier bags: These include cotton carrier bags, jute bags, reusable carrier bags, coloured carrier bags, bags for life, freezer bags and plastic boxes. 2.4% of the national Australian grocery market was shopping with ALDI for the first time.The 100th national store opened in Bundaberg, Queensland in August, following on from the 50th across NSW and the ACT, in North Sydney.Reports surfaced of plans to open 36 new stores per year over the next three, via Eastern Seaboard expansion and a big move west.The first ALDI fresh food marketing campaign launched, letting customers know that our fresh fruit and veg was Australian grown. Customers gained more flexibility at our checkouts as we started to accept credit card payments. Our current Interim Report shows the progress we made in 2020. MORE. Retail Assets. 21 new stores hit the streets between January and December, including our first VIC offering in Heidelberg West. report: ELANOR RETAIL PROPERTY FUND. The hard work of the Logistics team to build efficiency into our processes saw the business receive a Trusted Trader tick from the Australian Border force, in recognition of our secure supply chain and compliant trade practices.We introduced the Drive Safe Be Safe campaign with our Transport Operators as part of efforts to ensure safe, productive and compliant practices at every turn. 1 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). You must click the activation link in order to complete your subscription . How ALDI contributes to the Australian Economy not only examines ALDIs positive effect on its competition but also its wider. . ALDI Unpacked | Lastest Stories, News & Announcements | Australia Weve touched upon our progress as a brand and business, the people, partners and of course customers whove grown with us, some of the conversations, and a few of the Good Different elements of what we do and how we do it. 1 Including consumption of heating oil for operation of cooling motors (outside Germany). 2020 is the first year in which data was collected and reported internationally, with the exception of ALDI Poland. ALDI US has more than 1,600 stores across 35 states and over 5,600 stores worldwide. Aldi Fast Facts. With Christmas Day falling on a Wednesday, we shifted the on-sale date of that weeks first Special Buys to Christmas Eve, a Tuesday, giving customers an opportunity to scoop some last minute deals for their table and gifts for their friends and family. 1 The data is partly based on estimates and extrapolations. Being a smarter grocer means more than just maintaining the affordability of our products; it means helping build strong communities and responsibly sourcing products our customers can feel good about purchasing. Number and installed capacity of photovoltaic systems (in kWp), Electricity generated from photovoltaic systems and in-house consumption (in MWh). As valued members of our team, supplier partners or part of our incredible customer community, it would mean a lot to us if you too could find the time to share any of your favourite and fondest recollections. ALDI Belgium. Something went wrong while submitting the form. In previous years, the data was only collected and reported for the companies of ALDI Nord Germany. In fact ALDIs market share has more than tripled from 31 to 116 over the last 10 yearsthe latest findings from the Roy Morgan Research Supermarket Currency Report reveal. For the first time, the retailer will fix the price of essentials such as flour, sugar, vinegar, laundry powder and nappies until the end of the year. 20 YEARS IN AUSTRALIA Celebrating two decades of our people, partners, progress and the customers who made it all possible. Our current Interim Report shows the progress we made in 2020. This was the highest increase observed in the reported. Our transport fleet continued to rise to the challenge of our ever increasing logistics needs, putting it well on its way to the 120-strong fleet and 16 million kilometres of annual travel it boasts today. As we dialled up marketing efforts around our Smarter Shopping mantra, more ads from the light-hearted Switch & Save series we had launched in 2011 hit screens, showing just how much ALDIs exclusive range of everyday items like hairspray and dog food could save you. U ontvangt van ons een SMS om uw telefoonnummer te bevestigen. Share of sustainable cotton as a proportion of the total volume of cotton in the clothing and home textiles product groups from the standard and special-buy product ranges, broken down by certification standard (in per cent), 1 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information), Share of non-food production facilities used by producing country in 2020 (in per cent), Number of countries in which ASAs were carried out, Number of ASAs effected, With a promising first year of trading under our belts, providing our service to customers was very much on our minds in 2002. When we arrived, it seemed the locals had certainly got wind of our efforts elsewhere, turning out in force.Wed now invested significantly in getting the right people, properties and products for an Aussie audience, helping us prove our customers right in championing value but not compromising on quality.A digital rostering system was introduced to our Stores and DCs, allowing our operational employees to punch onto their shifts digitally, and replace all paper-based time sheets to up our efficiency. One of our favourites ALDI Mums made it to almost 100,000 followers on Facebook in 2016 (it currently stands at 185,000), as a self-confessed ALDI obsessive made it her mission to enlighten the masses with practical tips, real reviews and a sense of humour! 3 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). 2 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). The dedication of our team to build local relationships based on trust and fairness led to an ACNielsen survey of manufacturers voting ALDI as their preferred retail partner. However, not all locations have access to partners that accept food donations. Findings from AC Nielsen's bi-annual Retail Barometer survey, which captured responses from 100+ Australian FMCG manufacturers, deemed us overall preferred retailer after coming top in areas including understanding consumer needs, trading term fairness, store compliance and supply chain efficiency. 3 The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information). The calculation of location-based greenhouse gas emissions is based on the factors specified by the International Energy Agency (IEA). Coles Group Limited 2020 Annual Report Coles Group Limited 2020 Annual Report 1. In early 2012, we started to improve our fresh produce quality by reducing handling in store. At almost 1,119 GWh, electricity consumption is responsible for the largest share of energy demand at our sites. It will be expanded to include ALDI Luxembourg companies in the coming years. Aldi is Australias most profitable supermarket. Despite troubling times, we still did our best to keep improving our offering and operations for customers, supplier partners, employees and beyond. The data shows ALDI saved Australians $3.1 billion last year. More than half of all suicides in 2021 - 26,328 out of 48,183, or 55% - also involved a gun, the highest percentage since 2001. At around 98 per cent, the majority of non-hazardous waste was recycled or reused in 2020. 2018. Roy Morgan Customer Satisfaction Award for Liquor Store of the Year 2017. A supplier since 2017, QLD based Herman Brot have seen sales of their Low Carb Bakers Life bread increase by 150% in the first year of sales with ALDI, employing a dedicated team of 50 to ensure the popular product is readily available to ALDI shoppers. De privacyregeling (zie onderstaand) heb ik gelezen en geaccepteerd. 6 Data only for stores and logistics, excluding head office. Aldi Australia is eyeing its third decade of growth, underpinned by new stores, e-commerce and an unswerving commitment to lower prices . 1The information regarding the legally independent companies of ALDI Belgium and ALDI Luxembourg has been combined for the purposes of a simplified presentation (refer to Additional information).
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As a part of Jhan Dhan Yojana, Bank of Baroda has decided to open more number of BCs and some Next-Gen-BCs who will rendering some additional Banking services. We as CBC are taking active part in implementation of this initiative of Bank particularly in the states of West Bengal, UP,Rajasthan,Orissa etc.
We got our robust technical support team. Members of this team are well experienced and knowledgeable. In addition we conduct virtual meetings with our BCs to update the development in the banking and the new initiatives taken by Bank and convey desires and expectation of Banks from BCs. In these meetings Officials from the Regional Offices of Bank of Baroda also take part. These are very effective during recent lock down period due to COVID 19.
Information and Communication Technology (ICT) is one of the Models used by Bank of Baroda for implementation of Financial Inclusion. ICT based models are (i) POS, (ii) Kiosk. POS is based on Application Service Provider (ASP) model with smart cards based technology for financial inclusion under the model, BCs are appointed by banks and CBCs These BCs are provided with point-of-service(POS) devices, using which they carry out transaction for the smart card holders at their doorsteps. The customers can operate their account using their smart cards through biometric authentication. In this system all transactions processed by the BC are online real time basis in core banking of bank. PoS devices deployed in the field are capable to process the transaction on the basis of Smart Card, Account number (card less), Aadhar number (AEPS) transactions.