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 an even crust base.
02 - Beat cream cheese, sugar, and vanilla extract in a medium bowl with 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 white streaks remain.
04 - Whisk together instant banana pudding mix and cold milk in a clean bowl for 2 minutes until mixture thickens considerably. Set aside briefly.
05 - Spoon approximately half of the cheesecake mixture over the crust in each cup, spreading evenly to create the first creamy layer.
06 - Arrange a single layer of fresh banana slices over the cheesecake filling in each cup.
07 - Divide the prepared banana pudding evenly among cups, spooning it over the banana layer.
08 - Finish each cup with the remaining cheesecake mixture, smoothing the tops with a spoon or small spatula.
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 cups tightly and refrigerate for at least 2 hours to allow flavors to meld and layers to set properly before serving.