Despite progress over the past decade, 24% of adults remain unbanked and about only half of all adults in developing economies can access funds within 30 days to cover an unexpected expense. What more can technology advancements and cross-sector coordination achieve to increase inclusion for underserved individuals and businesses? This is discussed in this World Economic Forum Annual Meeting "Financial Inclusion Beyond Access" session on 19 January 2023 in Davos, featuring H.M. Queen Máxima of the Netherlands in her capacity as the United Nations Secretary-General's Special Advocate for Inclusive Finance for Development (UNSGSA).