Preheat oven to 350oF (180oC).
Line a standard 12 cups cupcake pan with paper liners. Set aside.
To a bowl, add cocoa powder and hot water. Mix well.
Then add sugar and whisk until sugar is completely dissolved.
With a fork, mash a ripe or an overripe banana well. Then add to the cocoa, sugar mix. Whisk until well combined.
Add oil and mix well.
Sift in flour, baking soda and salt.
Mix until dry flour is no longer visible. DO NOT OVER MIX (mix until dry and wet ingredients are just combined).
Fold in the chocolate chips.
Spoon batter into cupcake liner until 2/3 full.
Top with some more chocolate chips.
Bake in preheated oven to 350oF (180oC), rack middle position, 18-20 minutes, or until toothpick inserted in the middle of cake comes out clean.
Let cupcakes cool down in pan for 10 minutes. Then transfer cupcakes to wire rack to cool down completely.