Mix Dry Ingredients: In a microwave-safe mug or small bowl, combine the flour, cocoa powder, baking powder, and salt. Stir until well mixed.

Add Wet Ingredients: Add the mashed banana, milk, vegetable oil, and vanilla extract to the dry ingredients. Mix thoroughly until the batter is smooth and fully incorporated.

Fold in Chocolate Chips: Gently fold in the chocolate chips, ensuring they are evenly distributed throughout the batter.

Microwave: Place the mug or bowl in the microwave and cook on high for 1 to 2 minutes. Check the cake after 1 minute; it should be risen and set in the center. If needed, cook for an additional 30 seconds.

Cool and Serve: Carefully remove the mug from the microwave (it will be hot). Let the cake cool for 1-2 minutes before serving.

Optional Toppings: Top with a dollop of whipped cream, a dusting of cocoa powder, or a drizzle of melted chocolate for extra indulgence.