Preheat the oven to 350 degrees F and prepare a lined or greased muffin tin.
In a large bowl, mash bananas until smooth. Stir in egg, honey, and coconut oil until combined. (You can also use a stand mixer with your whisk attachment)
Add in oat flour, protein powder, baking powder, baking soda, cinnamon and ginger. Stir until combined. Fold in chocolate chips if using.
Pour the muffin batter into muffin cups, filling 3/4 of the way. Do not overfill!
Bake the muffins for 15 minutes or until the tops are golden brown and a toothpick comes out clean when inserted in the center of the muffin.
Allow the muffins to cool for 5 minutes before removing from the muffin tin.