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 white streaks remain.
04 - Whisk together instant banana pudding mix and cold milk in a clean bowl for 2 minutes until mixture begins to thicken significantly.
05 - Layer half of the cheesecake filling over the prepared crust in each cup, smoothing the top with a spoon or small spatula.
06 - Arrange a layer of fresh sliced bananas evenly over the cheesecake filling in each cup.
07 - Spoon prepared banana pudding over the banana slices, dividing the pudding mixture evenly among all serving cups.
08 - Top each cup with the remaining cheesecake mixture, spreading smoothly to create an even surface.
09 - Sprinkle each cup generously with additional vanilla wafer crumbs, arrange fresh banana slices on top, and add a dollop of whipped cream if desired.
10 - Cover cups tightly with plastic wrap or lids and refrigerate for at least 2 hours to allow flavors to meld and layers to set properly before serving.