01 - Combine crushed vanilla wafers and melted butter in a small bowl. Mix until evenly moistened. Distribute approximately 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 using a hand mixer until smooth and creamy, about 2-3 minutes.
03 - Whip cold heavy cream in a separate bowl until stiff peaks form. Gently fold whipped cream into the cream cheese mixture until fully incorporated and smooth.
04 - Whisk together instant banana pudding mix and cold milk for 2 minutes until mixture thickens to pudding consistency.
05 - Spoon half the cheesecake mixture over the crust in each cup, dividing evenly among servings.
06 - Arrange a layer of fresh sliced bananas over the cheesecake filling in each cup.
07 - Spoon prepared banana pudding over the banana slices, distributing evenly among cups.
08 - Finish each cup with the remaining cheesecake mixture, spreading smoothly over the pudding layer.
09 - Sprinkle each cup with additional vanilla wafer crumbs, arrange 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 mixture to set properly before serving.