In a small nonstick skillet, melt coconut oil over medium heat. Stir in maple syrup. When the syrup starts to bubbles, add banana slices. Cook each banana slice, turning each one once, until golden brown on both sides.
In a blender, combine frozen bananas, oats, cocoa powder, almond or coconut milk, cinnamon, and vanilla. Blend until smooth and pour into a bowl.
Top smoothie bowl with caramelized banana slices, cacao nibs, and coconut flakes.