- techService: getTechAreaWhere + canTechAccessCustomer, filter pool/stats
- techPortal: filter peta, ODP, daftar perangkat; guard perangkat per wilayah; area pelanggan baru dipaksa sesuai wilayah
- customerService: getCollectorCustomerWhere + canCollectorAccessCustomer (multi-area)
- collectorPortal: daftar tagihan pakai helper; tolak bayar/cetak/kirim PDF di luar wilayah
- customerAPI: dashboard & pay-bill kolektor dibatasi wilayah
- tests/unit/area-access.test.js: self-check logika area
