Preheat the oven to 350°F (175°C) and grease a loaf pan.
Mash bananas in a bowl until smooth.
Stir in melted coconut oil, brown sugar, eggs, and vanilla extract.
Whisk together flour, baking soda, salt, and cinnamon in a separate bowl.
Fold in the dry ingredients until just combined.
For the mocha swirl, heat coconut milk in a saucepan until warm.
Remove from heat and stir in chocolate chips, espresso powder, cocoa, and vanilla extract.
Pour the batter into the loaf pan, then drizzle the mocha mixture over the top.
Swirl gently with a toothpick to create a marbled effect.
Sprinkle shredded coconut over the top for a crispy finish.
Bake for 50-55 minutes until a toothpick inserted in the center comes out clean.
Let it cool for at least 15 minutes before slicing—if you can wait