Preheat oven to 350° F.
Spray a large baking dish with cooking spray. Spray a sauté pan with cooking spray and heat over medium.
Dice peppers and onion; drain corn. Add all to a bowl along with the chili powder, cumin, salt, and pepper; toss to combine.
Add veggies to hot pan and cook for 6-7 minutes, allowing to soften.
Place a layer of tortillas into prepared baking dish, followed by some beans, veggies, sauce, and cheese. Layer in this manner until all ingredients have been used, ending with cheese on top.
Bake for 30-40 minutes until bubbly.
Top with avocado slices and serve kiwi on the side.