01 - Preheat the oven to 350°F. Line a 12-cup muffin tin with paper liners or lightly grease the cups.
02 - In a large mixing bowl, whisk together pumpkin puree, mashed banana, eggs, vegetable oil, milk, and vanilla extract until well blended.
03 - In a separate bowl, mix the all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
04 - Add dry ingredients into the wet mixture and stir gently until just combined, avoiding overmixing.
05 - Fold in chopped nuts or chocolate chips if desired.
06 - Distribute the batter evenly among the muffin cups, filling each about three-quarters full.
07 - Bake for 20 to 22 minutes, or until a toothpick inserted in the center comes out clean.
08 - Let muffins cool in the pan for 5 minutes, then transfer to a wire rack to cool completely.