01 - Preheat the oven to 350°F. Line a standard 12-cup muffin tin with paper liners or apply a light coating of greasing spray.
02 - In a large mixing bowl, whisk together the pumpkin puree, mashed banana, eggs, vegetable oil, milk, and vanilla extract until fully blended.
03 - In a separate bowl, thoroughly combine all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, ground cinnamon, nutmeg, and ginger.
04 - Gradually add the dry mixture into the wet ingredients, stirring gently until ingredients are just incorporated. Avoid overmixing to maintain a tender crumb.
05 - If desired, fold in chopped nuts or chocolate chips with a spatula to distribute evenly.
06 - Divide the batter evenly into the prepared muffin cups, filling each approximately three-quarters full.
07 - Bake in the preheated oven for 20 to 22 minutes, or until a toothpick inserted into the center emerges clean.
08 - Let the muffins rest in the pan for 5 minutes before transferring to a wire rack to cool completely.