01 - Preheat oven to 350°F. Line a muffin tin with paper liners or lightly grease each cup.
02 - In a large bowl, whisk together pumpkin puree, mashed banana, eggs, oil, milk, and vanilla until the mixture is smooth.
03 - In a separate bowl, blend together all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
04 - Add dry ingredients to the wet mixture. Gently stir until just combined, ensuring not to overmix.
05 - Fold in chopped nuts or chocolate chips, if desired.
06 - Divide batter evenly among muffin cups, filling each about three-quarters full.
07 - Bake for 20 to 22 minutes, or until a toothpick inserted in the center emerges clean.
08 - Allow muffins to cool in the pan for 5 minutes before transferring to a wire rack to finish cooling.