consulting - you answer to both your organization and the client. however, you take no credit when the client succeeds but all the sh*t if something goes wrong.
banking - you just answer to your own organization. in fact, you might even get the opportunity to own a project and boss consultants around. take almost all the credit in the event of success and just little responsibility if things fail. consultants can be used as ur bullet-proof vest, similar concept to what was brought up by another poster previously.
take note that most consultants are dying to exit into the industry (ergo be the client themselves)
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