01 - Combine crushed vanilla wafers and melted butter in a small bowl. Mix until evenly moistened. Distribute about 2 tablespoons into the bottom of each serving cup and press lightly to form the crust base.
02 - Beat cream cheese, granulated sugar, and vanilla extract in a medium bowl with a hand mixer until smooth and creamy, approximately 2-3 minutes.
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 no streaks remain.
04 - Whisk together instant banana pudding mix and cold milk in a clean bowl for 2 minutes until mixture thickens noticeably.
05 - Spoon approximately half of the cheesecake filling over the prepared crust in each cup, spreading evenly.
06 - Arrange a layer of sliced bananas over the cheesecake filling in each cup.
07 - Divide the prepared banana pudding evenly among cups, spooning it over the banana layer.
08 - Add the remaining cheesecake mixture on top of the pudding layer in each cup, smoothing the surface.
09 - Sprinkle each cup with additional vanilla wafer crumbs, arrange more fresh banana slices on top, and add a dollop of whipped cream if desired.
10 - Cover cups and refrigerate for at least 2 hours to allow flavors to meld and layers to set properly before serving.