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 the crust base.
02 - Beat cream cheese, sugar, and vanilla extract in a medium bowl with a hand mixer until smooth and creamy, ensuring no lumps remain.
03 - Whip cold heavy cream in a separate bowl until stiff peaks form. Gently fold the whipped cream into the cream cheese mixture until fully incorporated and smooth.
04 - Whisk together instant banana pudding mix and cold milk for 2 minutes until thickened and smooth. Set aside.
05 - Divide cheesecake filling evenly among cups, layering it over the crust and using approximately half of the mixture.
06 - Arrange a layer of sliced bananas over the cheesecake filling in each cup.
07 - Spoon prepared banana pudding over the banana layer, distributing evenly among all cups.
08 - Finish each cup with the remaining cheesecake mixture, smoothing the tops.
09 - Sprinkle additional wafer crumbs over each cup, garnish with fresh banana slices, and add a dollop of whipped cream if desired.
10 - Cover cups and refrigerate for at least 2 hours before serving to allow flavors to meld and layers to set.