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, pressing 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 - Whip cold heavy cream in a separate bowl until stiff peaks form. Gently fold whipped cream into cream cheese mixture until fully incorporated and no white streaks remain.
04 - Whisk instant banana pudding mix with cold milk for 2 minutes until mixture thickens considerably. Set aside briefly.
05 - Spoon half the cheesecake mixture over crust layer in each cup, spreading evenly to create a smooth foundation.
06 - Arrange sliced bananas over cheesecake filling, creating an even layer across all cups.
07 - Divide prepared banana pudding evenly among cups, spooning over banana layer.
08 - Finish cups with remaining cheesecake mixture, smoothing tops with a spoon or small spatula.
09 - Sprinkle each cup with additional vanilla wafer crumbs, top with fresh banana slices, and add whipped cream dollop if desired.
10 - Cover cups and refrigerate for at least 2 hours before serving to allow flavors to meld and layers to set.