Preheat oven to 180 degrees celsius.
Combine all the dry ingredients in a bowl and mix.
In a separate bowl mash the banana with a fork, or alternatively blend with the milk.
Add the remaining wet ingredients to your mashed banana.
Pour the wet ingredients into the dry and mix. Taste and adjust sweetness and intensity of coffee flavour as desired.
Stir in your choc chips but leave a few to sprinkle over the top as well.
Grease a muffin tray and pour mixture into 12 muffins.
Bake for 18-22 minutes depending on your muffin size. A knife should come out clean.