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 with a hand mixer until completely smooth and creamy, approximately 2-3 minutes.
03 - In a separate chilled bowl, whip cold heavy cream using a hand mixer until stiff peaks form. Gently fold whipped cream into the cream cheese mixture until fully incorporated and no streaks remain.
04 - Whisk together instant banana pudding mix and cold milk in a clean bowl for 2 minutes until mixture thickens considerably. Set aside.
05 - Spoon approximately half of the cheesecake mixture over the prepared crust in each cup, spreading evenly to create the first filling layer.
06 - Arrange a single layer of fresh banana slices over the cheesecake filling in each cup.
07 - Divide prepared banana pudding evenly among cups, spooning it carefully over the banana slices to maintain distinct layers.
08 - Spread remaining cheesecake mixture over the pudding layer in each cup, smoothing the tops with a small spatula.
09 - Sprinkle each cup with additional vanilla wafer crumbs. Top with extra fresh banana slices and a dollop of whipped cream if desired.
10 - Cover cups tightly with plastic wrap or lids. Refrigerate for at least 2 hours to allow flavors to meld and layers to set completely before serving.