Preheat oven to 350 F. Line a 1 L (8.5”) loaf tin with piece of parchment paper across the width. Grease with nonstick spray.
In a large bowl, mix together the flour, flax, baking soda, baking powder, cinnamon, nutmeg, and salt.
In another bowl, mash the banana and mix with the shredded carrots, maple, vanilla, butter and oat milk. Mix the wet into the dry until well combined. Transfer to the loaf tin.
Bake for 55-60 minutes or until a toothpick inserted in comes out clean. Allow to fully cool.
Meanwhile, beat the cream cheese with the yogurt, maple, vanilla and lemon juice until smooth. Spread onto the cake and top with banana chips, coconut and hemp hearts. Enjoy!