01 - Combine crushed vanilla wafers and melted butter in a small bowl, mixing until evenly moistened. Distribute approximately 2 tablespoons into the bottom of each serving cup and press lightly to form a compact crust layer.
02 - Beat cream cheese, granulated sugar, and vanilla extract in a medium bowl using a hand mixer until completely 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 begins to thicken noticeably. Set aside briefly.
05 - Distribute half of the cheesecake filling evenly among the cups, spreading it over the crust layer in each serving vessel.
06 - Arrange a layer of fresh sliced bananas over the cheesecake filling in each cup, ensuring even distribution.
07 - Spoon prepared banana pudding over the banana slices, dividing the mixture evenly among all cups.
08 - Finish each cup with the remaining cheesecake mixture, spreading smoothly to create an even top layer.
09 - Sprinkle additional vanilla wafer crumbs over each cup, top with extra fresh banana slices, and add a dollop of whipped cream if desired.
10 - Cover cups securely and refrigerate for a minimum of 2 hours to allow flavors to meld and layers to set properly before serving.