1. Preheat oven to 180 °c. Butter a 10-inch (25 cm) bundt pan with butter, use a spoonful of flour and dust inside the pan. and tap the cake tin until you can see a light coat of flour covering the whole inside.

1. Adding 2 tea spoon of white vinegar or lemon juice to the milk and letting this mixture sit at room temperature for about 10 minutes before using.

1. In a heatproof bowl, placed over a saucepan of simmering water, melt the chocolate with the coffee. Take off from heat and let it cool to room temperature.

1. In a separate bowl, sift or whisk together the flour, baking powder, baking soda, and salt.

1. Mash the overripe bananas in a bowl until fine, set aside.

1. In the cake mixer (or with a hand mixer), beat the butter until smooth. Gradually add the sugar and continue to beat until the mixture is light and fluffy (about 3-5 minutes). Scrape down the sides of the bowl as needed. Add in eggs one at a time and beat until well combine.

1. With the mixer on low speed, alternately add the flour mixture and the buttermilk to the batter, in three additions, beginning and ending with the flour. Remove a little more than half of the batter into a separate bowl. Add the mashed bananas into the batter. Gently stir well with the hand mixer, or a spatula to combine well.

1. To the remaining batter, stir in the melted chocolate. Place the batters into the prepared bundt pan by alternating spoonful of banana batter with the chocolate batter. Next, gently make some swirls with the end of a wooden skewer or knife to marbleize the batter.

with the end of a wooden skewer or knife, gently draw swirls through the batter to marbleize it. Don't over mix.

1. Bake for about 35 - 40 minutes , or until a toothpick inserted in the center just comes out clean. Take the cake out of the oven and let it rest on a wire rack for approximately 20 minutes, then take it out of the pan and let it cool fully.

1. Whisk the cream cheese with hand whisk or spatula until smooth, add in the heavy cream, milk, and icing powder. Mix it well until you reach the consistency to drizzle on top of the cake. If the cream cheese frosting is too thick, add a little milk, stir until you reach consistency.

1. Decorate with some banana chips on top of the frosting. Store in the refrigerator or serve right away.