In a large mixing bowl, combine the flour, baking powder, baking soda, and salt. Set the dry ingredients aside. In a separate bowl, whisk together the milk, melted butter, eggs, sugar, and vanilla extract. Create a well in the center of the dry ingredients and pour in the wet mixture. Stir carefully, ensuring not to overmix the batter. Gently fold in the diced banana, chocolate chips, and chopped pecans.

Heat a large skillet over medium heat and lightly coat it with cooking spray. Pour about ¼ cup of the batter onto the skillet for each pancake. Cook until bubbles form on the surface, then flip the pancakes and cook until both sides are golden brown and the pancakes are cooked through. Serve immediately with your preferred toppings.