In a trifle bowl or a 9×13-inch dish, arrange a layer of vanilla wafers on the bottom. Top with sliced bananas and strawberries, then spread half of the pudding over the fruit. Repeat the layers once more with wafers, fruit, and the remaining pudding.

Step 4: Add the Cheesecake Topping
Carefully spread the cheesecake mixture over the top layer. Use the back of a spoon to swirl and smooth the surface.

Step 5: Chill
Cover tightly and refrigerate for at least 4 hours. For best results, let it chill overnight so the wafers fully soften and absorb the creamy layers.

Step 6: Garnish and Serve
Before serving, decorate with extra vanilla wafers, fresh strawberry halves, or a drizzle of caramel sauce if desired. Serve well chilled.