Heat vegetable oil over high heat, dice banana while heating. Add banana to skillet and cook for about 2 minutes, until golden.
While banana cooks, dice onion. Remove banana from skillet and set on a paper towel to drain. Add onion to skillet and reduce heat to medium. Cook onion until tender, about 3 minutes. Add beans, cilantro, cumin and cayenne and cook until heated through. Mash beans with back of fork and add salt and pepper to taste.
Place about 1/4 cup beans in each tortilla and top with caramelised bananas, as well as cheese and salsa, if using.
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