Are those little specks in the center of a banana actually banana seeds?

Answer 1

Although the wild species have fruits with numerous large, hard seeds, virtually all culinary bananas have seedless fruits.

Cultivated bananas are parthenocarpic, which makes them sterile and unable to produce viable seeds. Lacking seeds, another form of propagation is required. This involves removing and transplanting part of the underground stem (called a corm). Usually this is done by carefully removing a sucker (a vertical shoot that develops from the base of the banana pseudostem) with some roots intact.

Answer 2

Yes.

Answer 3

no...they're banana droppings