01 - Combine crushed vanilla wafers and melted butter in a small bowl, mixing until crumbs are evenly moistened. Distribute approximately 2 tablespoons into the bottom of each serving cup and press firmly with the back of a spoon to create a compact crust layer.
02 - Beat softened cream cheese, granulated sugar, and vanilla extract in a medium bowl using a hand mixer on medium-high speed until completely smooth and free of lumps, approximately 2-3 minutes.
03 - In a chilled separate bowl, whip cold heavy cream with electric beaters until stiff peaks form, being careful not to overwhip. Gently fold the whipped cream into the cream cheese mixture using a rubber spatula until fully incorporated and no white streaks remain.
04 - Whisk instant banana pudding mix and cold whole milk together in a clean bowl for 2 minutes until mixture begins to thicken. Set aside to finish setting while assembling layers.
05 - Spoon approximately half of the cheesecake filling over the prepared crust in each cup, using the back of a spoon to spread evenly and create a smooth surface.
06 - Arrange a single layer of fresh banana slices over the cheesecake filling, ensuring even distribution among all cups.
07 - Divide the prepared banana pudding evenly among cups, spooning it carefully over the banana layer to maintain distinct layers.
08 - Top each cup with the remaining cheesecake mixture, spreading smoothly to cover the pudding layer completely.
09 - Sprinkle additional crushed vanilla wafers over each cup, top with fresh banana slices, and add a dollop of whipped cream if desired. Cover cups loosely with plastic wrap and refrigerate for at least 2 hours or up to 24 hours before serving to allow flavors to meld and layers to set.