Roast the coconut until golden brown. Mix milk with coconut milk and bring to a boil. Whisk in lemon zest, yolks, cornstarch and sugar until smooth.
Add boiling milk to yolk mixture, stirring constantly, and bring to a boil. Fold in the coconut.
Pour the cream into bowls and refrigerate. Grate chocolate and serve the coconut cream sprinkled with chocolate and coconut flakes.