01 - Combine crushed vanilla wafers and melted butter in a small bowl, mixing until evenly moistened. Spoon about 2 tablespoons into the bottom of each serving cup and press lightly to form the crust base.
02 - Beat cream cheese, sugar, and vanilla extract in a medium bowl with a hand mixer until smooth and creamy, ensuring no lumps remain.
03 - In a separate chilled bowl, whip cold heavy cream until stiff peaks form. Gently fold the whipped cream into the cream cheese mixture until fully incorporated and smooth.
04 - Whisk together instant banana pudding mix and cold milk in a clean bowl for 2 minutes until thickened and smooth.
05 - Spoon half of the cheesecake mixture over the crust in each cup, spreading evenly to create the first creamy layer.
06 - Arrange a layer of sliced bananas over the cheesecake filling in each cup, pressing them lightly into the cream.
07 - Divide the prepared banana pudding evenly among the cups, spooning it over the banana slices to create the middle layer.
08 - Spread the remaining cheesecake mixture over the pudding layer in each cup, smoothing the tops with a spoon or spatula.
09 - Sprinkle each cup with additional wafer crumbs, arrange fresh banana slices on top, and add a dollop of whipped cream if desired.
10 - Cover the cups and refrigerate for at least 2 hours to allow flavors to meld and layers to set properly before serving.