In a mixing bowl whisk together the flour, baking powder, baking soda, and cocoa powder. And set aside.
In a separate bowl mash the banana with a fork and then add the oil, sweetener of choice and milk. Mix to combine all the ingredients. (You can adjust the sweetness according to taste )
Combine the wet and dry ingredients together. (you can adjust the thickens of the batter, if too thick add a tablespoon or two of milk).
If you wanna make it more chocolaty add some chocolate chips in the batter. (optional)
Heat a little oil in a non-stick pan over medium heat.
Pour about 2 tablespoons per pancake and fry on one side until bubbles appear, then flip on the other side and fry for another 3 minutes.
Serve them with melted chocolate and fresh berries or any other fruit of choice (optional)