In a large bowl wisk together flour, baking soda, baking powder, nutmeg, cinnamon and ginger. Set aside.

In a medium bowl mash banana with sugar and butter.

Wisk in egg, vanilla and milk.

Add wet to dry just until incorporated. Do not overmix.

Fold in apples and walnuts.

Spray 48 mini muffin cups with nonstick spray. Inside and on top.

Fill muffin cups to the rim with batter.

Topping: in a small bowl combine sugar and cinnamon. Wisk with fork.

Place 3 or so pieces diced apple on top of each muffin.

Sprinkle cinnamon sugar mix over entire muffin top.

Bake in oven for 12-14 minutes or until toothpick comes out clean.

Let stand 5 minutes then transfer to wire rack for cooling.