Creating this Decadent Biscoff Banana Pudding with Rich Caramel Sauce is a straightforward process when you follow these steps:

1. Prepare the Pudding: In a large bowl, beat the softened cream cheese and powdered sugar until smooth and creamy.

2. Whip the Cream: In a separate bowl, whip the heavy whipping cream until stiff peaks form.

3. Combine Mixtures: Fold the whipped cream into the cream cheese mixture, being careful not to deflate the whipped cream.

4. Make the Pudding: In another bowl, whisk the instant vanilla pudding mix with milk until thickened.

5. Combine Pudding and Cream: Gently fold the vanilla pudding into the cream cheese mixture until well combined.

6. Layer the Ingredients: In a large glass trifle dish or individual serving cups, start layering:
– A layer of crushed Biscoff cookies.
– A layer of banana slices.
– A layer of the pudding mixture.
– Drizzle some caramel sauce over the pudding.
– Repeat the layers until all ingredients are used, ending with the pudding on top.

7. Chill: Cover the dish with plastic wrap and refrigerate for at least 4 hours or overnight to allow the flavors to meld.

8. Garnish: Before serving, top with additional crushed Biscoff cookies and a drizzle of caramel sauce.