In a small saucepan, combine gelatin and cold water and let sit to soften for about 2 minutes.
Turn heat on to low and cook until gelatin is dissolved, about 1 minute. Remove from heat.
In a medium saucepan over medium high heat, combine heavy cream, half-and-half, and sugar and bring to a boil.
As soon as mixture begins to boil, remove saucepan from heat and stir in cream cheese, maple syrup or extract, and gelatin mixture.
Mix very well to blend in cream cheese. Cool to room temperature.
Coat 6 6-oz. ramekins with cooking oil (you could also use ½ cup muffin tins or martini glasses) and fill them evenly with the cream mixture. Cover all ramekins with plastic wrap and place in fridge to chill 4-6 hours, or overnight.
When ready to serve, run a sharp knife around the edges of the ramekins so the custard loses suction. Place custards onto plates or in bowls.
Serve with banana slices and ½ cup granola.