01 - Combine crushed vanilla wafers and melted butter in a small bowl. Mix 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, about 2-3 minutes.
03 - In a separate chilled bowl, whip the 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 the instant banana pudding mix and cold milk in another bowl for 2 minutes until thickened and smooth.
05 - Divide the cheesecake filling in half. Layer the first half over the crust in each cup, spreading evenly.
06 - Arrange a layer of fresh 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 - 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, top with more 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 flavors to meld and layers to set before serving.