e-invoicing fatturazione elettronica e-procurement european e-business lab ec expert group on e-invoicing ebl european business lab european commission green paper puglia fattruazione elettronica banca intesasanpaolo e-invoicing european e-business lab e-business mef sepa international kme group denmark nemhandel vat directive european e-invocing framework e-payment e-id cbi sepa carmen ciciriello
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