01 - Combine crushed vanilla wafers and melted butter in a small bowl, mixing until evenly moistened. Spoon 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 - 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 no white streaks remain.
04 - Whisk together instant banana pudding mix and cold milk for 2 minutes until mixture thickens noticeably. Set aside until ready to assemble.
05 - Distribute half of the cheesecake mixture evenly among the cups, spreading it over the crust layer in each serving vessel.
06 - Arrange a layer of fresh banana slices over the cheesecake filling in each cup, ensuring even distribution.
07 - Spoon prepared banana pudding over the banana slices, dividing the pudding mixture evenly among all cups.
08 - Spread the remaining cheesecake mixture over the pudding layer in each cup, creating the final creamy layer.
09 - Sprinkle each cup generously with additional vanilla wafer crumbs, top with fresh banana slices, and add 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 properly before serving.