Great to serve to company as this needs to chill for a minimum of 4 hours before serving. Prep time includes chilling time. Serving size is only estimated depending on the size of your dessert glasses.
In a small bowl, dissolve the coffee granules in hot water; set aside about 1 tablespoon in a small cup.
Cut each ladyfinger crosswise into quarters.
Brush the remaining coffee mixture over the cut sides of the ladyfingers; set aside.
In a large bowl beat 3/4 cup condensed milk and the mascarpone or cream cheese (if using).
Add in 1-1/4 cups whipping cream, 1-1/2 teaspoons vanilla and the 1 tablespoon reserved coffee mixture; beat until soft peaks form.
Fold in 1/2 cup chocolate chips.
In a heavy saucepan over low heat, melt remaining 1/2 cup chocolate chips with the remaining condensed milk.
In 8 tall dessert glasses or parfait glasses, layer mascarpone mixture, chocolate mixture and the ladyfinger pieces, beginning and ending with the mascarpone mixture.
Cover and chill for a minimum of 4 hours.
Just before serving, in a medium bowl beat 1 cup whipping cream with 2 tablespoons sugar until soft peaks form.
To serve spoon/divide the whipped cream over the top of each dessert.