Preheat oven to 180°C fan-forced. Line a muffin tin with 10 liners.
In a blender or food processor, blend banana, eggs, oil, milk, yoghurt, vanilla, and spinach until smooth.
In a large bowl, mix together flour, cacao powder, baking powder, and cinnamon.
Pour the wet mixture into the dry ingredients and gently fold to combine.
Add in the grated zucchini, carrot and choc chip and mix until just combined.
Spoon into muffin liners and bake for 20–25 minutes, or until a skewer comes out clean.
Allow to cool before serving.