01 -
In a medium saucepan, combine whole milk, granulated sugar, and cornstarch. Whisk continuously over medium heat until mixture thickens and coats the back of a spoon, about 5-7 minutes.
02 -
Remove saucepan from heat and stir in vanilla extract and Biscoff spread until fully smooth and blended.
03 -
In a mixing bowl, beat softened cream cheese with sweetened condensed milk until smooth.
04 -
Add instant vanilla pudding mix and whole milk to the cream cheese mixture; mix thoroughly until uniform.
05 -
In a separate bowl, whip heavy cream with powdered sugar until stiff peaks form, then gently fold into the pudding mixture to maintain lightness.
06 -
In serving dishes or individual cups, layer crushed Biscoff cookies, pudding mixture, and sliced bananas, repeating layers until full, finishing with pudding on top.
07 -
Drizzle caramel sauce generously over the top layer and refrigerate for at least 2 hours to set and meld flavors.