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 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 instant banana pudding mix with cold whole milk in a clean bowl for 2 minutes until mixture thickens considerably.
05 - Spoon approximately half of the cheesecake filling over the crust in each cup, spreading evenly to create a smooth layer.
06 - Arrange a single layer of sliced bananas over the cheesecake filling in each cup.
07 - Divide prepared banana pudding evenly among cups, spooning it over the banana slices.
08 - Add the remaining cheesecake mixture on top of the pudding layer in each cup, smoothing the surface.
09 - Sprinkle additional vanilla wafer crumbs over each cup. Top with fresh banana slices and a dollop of whipped cream if desired.
10 - Cover cups and refrigerate for a minimum of 2 hours to allow flavors to meld and layers to set properly.