Banana Pudding Cupcakes

Name: Banana Pudding Cupcakes
Prep time: 20 min
Cook time: 18 min
Total time: 38 min
Cuisine: American, Southern
Ingredients: 1 15.25 oz box vanilla cake mix (plus ingredients to prepare (Use whole milk or buttermilk in place of water)); 1 8 oz container spreadable plain cream cheese (softened); 1 14 oz can sweetened condensed milk; 1 cup whole milk; 1 3.4 oz package instant vanilla pudding mix; 1 tsp pure vanilla extract; 1 16 oz container frozen whipped topping (thawed and divided); 3 medium bananas; 1 cup crushed vanilla wafer crumbs for garnishing (divided use)