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 layer.
02 - Beat cream cheese, sugar, and vanilla extract in a medium bowl using a hand mixer until smooth and creamy, approximately 2-3 minutes.
03 - In a separate chilled bowl, whip cold heavy cream until stiff peaks form. Gently fold 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 mixture thickens considerably. Set aside.
05 - Spoon approximately half of the cheesecake mixture over the crust in each cup, spreading evenly.
06 - Arrange a layer of fresh sliced bananas over the cheesecake filling in each cup.
07 - Divide prepared banana pudding evenly among cups, spooning over the banana layer.
08 - Cover each cup with the remaining cheesecake mixture, smoothing the tops.
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 securely and refrigerate for at least 2 hours to allow flavors to meld and layers to set completely.