Place the bananas, cocoa powder, honey, vanilla extract, a tiny pinch of sea salt, and coconut milk in a blender. Blend until completely smooth, scraping down the sides of the blender a few times if necessary.
Transfer the mixture to a mixing bowl. Stir in the chia seeds and shredded coconut (if using). Cover tightly with plastic and refrigerate for at least one hour. (The pudding will actually thicken in about 20-30 minutes, but it tastes best really cold, so exercise patience and give it some chill time.)
Give the pudding a good stir. Spoon pudding into small bowls or glasses.
Top with sliced bananas and dark chocolate (or toppings of your choice) and serve.