MonJa: Helping Customers Automate Manual Workflows. Based in California, MonJa is a technology and software provider for financial institutions. Whether you are a Bank, Online Lender, or Insurance Company, looking to automate manual workflows, MonJa's software will help you achieve your goal. Contact us to schedule the demo at info@monjaco.com MonJa works closely with bankers and lenders helping them to automate commercial lending. With MonJa Smart Scan lenders seamlessly automate the statement spreading for loan underwriting and review, freeing up the credit team’s time to better serve customers.