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.
This recipe was submitted by one of our readers and has not been tested by our food editors. We are not responsible for errors in this recipe, but if you find one, please let us know.