In a blender, combine banana, milk, pudding mix, cream cheese, condensed milk, vanilla extract, and ice. Blend until completely smooth and creamy. If the texture is too thick, add a splash of more milk.
Taste and Adjust:
Give it a quick taste. Want it sweeter? Add a touch more condensed milk. Want it more banana-y? Add a bit of banana extract.
Serve:
Pour the frappuccino into tall glasses.
Top It Off:
Add a swirl of whipped cream, crushed vanilla wafers, banana slices, and a light caramel drizzle for that extra indulgence.