Preheat the oven to 180ÂșC. Line a muffin tray with muffin cases.
Combine the flour, baking soda, salt, cacao and cinnamon in a large mixing bowl.
In a different bowl, mash bananas. Add eggs, yoghurt, vinegar and oil and whisk to combine.
Add flour mixture into the bowl with bananas and add chopped chocolate.
Divide batter between the muffin cases, top with cocoa nibs or raspberries and bake for 30 minutes.