1.) In a blender, add in a banana and milk of choice and blend.
2.) Transfer liquid to a mixing bowl and add all of the ingredients except for the cacao nibs/chocolate chips and mix well.
3.) Lastly add in your cacao nibs/chocolate chips and fold to combine.
4.) Spray a pan with olive oil and cook pancake batter on medium heat.
5.) Top with your favorite pancake toppings. I topped mine with chocolate syrup and a dark chocolate. Yum!