Sex determination happens on different levels.
Chromosome is the fundamental one.
Because Y chromosome has the message (genes) to produce (Testosterone), which is lacking in X chromosome, fetus with XY pair can modify the gonad (which is same for both male and female until 6-7 weeks of life) to a male.
Generally speaking, it is this influence of Testosterone that makes us male. If we can block the effects of testosterone, even a fetus with XY can be a female with Ovaries and vagina as our default development is to be a female.
But, even when there is chromosome, the downstream signal translation requires a lot of different receptors.
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