This paper recommends chipping and 9 alternating cycles of warm and cool temperatures (12-18C for12 hrs, 35C for 12 hrs)
http://www.ogtr.gov.au/internet/ogtr/publishing.nsf/content/banana-3/$FILE/biologybanana08.pdf
Very interesting article on how to germinate seeds and dormancy
http://www.musalit.org/pdf/IN970066_en.pdf