01 - Combine crushed vanilla wafers and melted butter in a small bowl, mixing until evenly moistened. Spoon approximately 2 tablespoons into the bottom of each serving cup and press lightly to form an even crust layer.
02 - Beat cream cheese, granulated sugar, and vanilla extract in a medium bowl using a hand mixer until smooth and creamy with no lumps remaining.
03 - In a separate bowl, whip cold heavy cream until stiff peaks form. Gently fold the whipped cream into the cream cheese mixture until fully incorporated and light in texture.
04 - Whisk together instant banana pudding mix and cold whole milk in a bowl for 2 minutes until thickened to a pudding consistency.
05 - Spoon about half of the cheesecake filling over the crust in each serving cup, dividing evenly among all cups.
06 - Arrange a layer of sliced bananas over the cheesecake filling in each cup.
07 - Spoon the prepared banana pudding over the banana layer, dividing evenly among all cups.
08 - Top each cup with the remaining cheesecake mixture, spreading gently to create an even surface.
09 - Sprinkle each cup with additional wafer crumbs, top with fresh banana slices, and add a dollop of whipped cream if desired.
10 - Cover the cups and refrigerate for at least 2 hours to allow layers to set properly before serving.