Banana Pudding Cupcakes

Banana Pudding Cupcakes was pinched from <a href="http://www.melissassouthernstylekitchen.com/2011/08/banana-pudding-cupcakes.html" target="_blank">www.melissassouthernstylekitchen.com.</a>
INGREDIENTS
Cupcakes:
1 box vanilla cake mix, plus ingredients to prepare
Or from scratch using a basic 1-2-3-4 cake batter
Filling:
1 [8 oz] container spreadable light cream cheese, softened
1 [14 oz] can sweetened condensed milk
3/4 cup whole milk
1 box [3.4 oz] instant vanilla pudding
1 [16 oz] frozen whipped topping, thawed & divided
3 bananas
1 tsp pure vanilla extract
Topping:
1 cup crushed vanilla wafer crumbs
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