Spray 16 regular-sized muffin tins with cooking spray; set aside.
Preheat oven to 400°.
Mash bananas on a plate with a fork; set aside.
In a large mixing bowl, combine flour, granulated sugar, baking powder and salt.
Set aside.
In a medium mixing bowl, combine egg, half-and-half, oil, banana and applesauce.
Whisk until well combined and the banana is broken up into very tiny pieces.
Add wet ingredients to dry ingredients along with cinnamon chips.
Stir just to combine.
Do not overmix the batter.
Spoon batter into prepared muffin tins until full.
Bake at 400° for about 10-11 minutes, or until a toothpick inserted in center comes out clean.
Cool muffins in pan for 5-10 minutes before removing to a wire rack to cool completely.
Yield: 16 regular-sized muffins or 72 miniature muffins.